BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account with my mortgage. The mortgage servicer, American Financial Resources , Inc has failed to pay my property taxes from the escrow account. I sent them a note including a copy of the property tax bill more than a month ago. The never responded. I followed up with the same information again a week ago. They never responded. I called today and they claim that they are escalating the problem and that the taxes are going to be paid, but are now delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Motolease, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was approved for a loan to purchase a XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid off this loan in XXXX of XXXX. I did not realize I needed to transfer the title after doing so. I was under the assumption that the title would be released by the MotoLease , LLC, the finance company. Fast forward to modern day, I am attempting to trade in that vehicle and I have lost the title. I have been trying to contact XXXX, since XX/XX/XXXX, attempting to resolve this matter. Over the ensuing 6 days, I have been transferred to different departments, been hung up on, not had calls go through, but overall have been given no resolution, timeline or even spoken to the right people to get that resolution. I have exhausted every possible effort with this company and will soon seek counsel. This is negligence on their part in the least. I just want my title released so I can get this taken care of. This should be a simple clerical effort on their part, but they won't even get me to the right person to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is knowingly and willing report information derived from a medical or health care provider which is violation of [ 15 USC 16819a ( 3 ) ( a ) ] on EQUIFAX company website under " Classification of creditor '' it says " medical or health care provider ''. This organization is aware of the derived medical information. Also this debt was deleted in XX/XX/2021 and reinserted XX/XX/XXXX, XXXX today is XX/XX/XXXX I haven't received any written notification nor any new verification of debt. This is violation of [ 15 USC 1681 ( B ) ( i ) ( ii ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2022-01-27
Company: Experian Information Solutions 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:
I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review

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 2022-01-27
Company: Experian Information Solutions 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:
XXXX was placed on my credit report on XX/XX/2021. If I allegedly did business can they prove that I made payments on XX/XX/2021 when I never made payment to them on XXXX. Also on Experian it considered a negative account that I never made payment on XX/XX/2021.

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 2020-08-09
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 status incorrect

Complaint:
I was informed that my student loan fell under the Cares Act law which went into effect XX/XX/XXXX and were scheduled to expire XXXX XXXX 2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with Equifax, XXXX and XXXX. This is illegal considering the cares act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Sequium Asset Solutions, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
an amount of {$220.00} was reported to a collection agency and then placed on my credit report. this amount was in dispute amd spoke to the collection agency that it was in dispute because the account was transferred to a different cellular phone company in XX/XX/2020 and they are charging me a bill for the month ofXX/XX/2020. it doesnt make sense. i want this removed from my credit report because i do not owe this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a credit card offer from XXXX in the mail for my XXXX year old XXXX XXXX son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.

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 2017-06-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I am merely following up with # XXXX since there is no way to send email. WHY is Cap1 telling me a payment is due if they are still researching, they MUST FREEZE my account. I have paid it off in full, and had XXXX balance prior to the fraud. they MUST not require a payment from me, I want to file charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # 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 2020-08-10
Company: Newman, Hesse & Associates, P. A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I received my pay check notification from my employer XXXX XXXX, I was surprised to see that there was a creditor garnishment deducted from my pay. I have not received any notices, summons, etc. I called my employer 's pay check processor, XXXX who gave me the contact information of the company. After my request to cease the unknown garnishment, they told me their policy was to refer me to the company that submitted the Writ of Garnishment to them. 
I went to my local Human Resource department also and they are working with the Headquarters to seek resolution. 
I called the agency, XXXX XXXX XXXX XXXX XXXX, and asked about the garnishment. XXXX ( XXXX? ) told me this was for a check for {$18.00} to XXXX XXXX that was supposed to be written by me in XXXX ( 27 years ago ) and now it was a Judgement filed on it that grew to {$1200.00} with legal fees and 17 % compounded interest???. I was never given any notice about an NSF check, never on XXXX XXXXXXXX for a bad check. No notice-now or then! It seems like a scam that resulted in successfully getting my employer to allow an illegal garnishment. Had I been notified, I would have fought and disputed this fraudulent claim. 
In addition to no notice given, I live and work in Texas. This is not a garnishing state. When I said this to XXXX in our brief conversation, she simply said that 'he knows what he is doing and knows the law. ' When I researched on collection in Kansas, there is no Judgement that is extended more than 10 years with 10 year extension. This has been 27 years. 
Next, when I received the short detail sheet from XXXX on Friday XX/XX/XXXX ; it said that court was on XX/XX/XXXX. How is this??? This is fraud and I need assistance getting my money returned and to stop the garnishments immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Bank of America gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time Bank of America gives to XXXX  ( 2x now since XXXX ). XXXX puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames Bank of America for not giving them the info and telling me I need to request it to be removed which can take 30 days. and Bank of America says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.

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: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Truist Bank with an initial deposit of {$50.00} which was debited from my account from the former SunTrust which was acquired by BB & T to form Truist A few weeks later I tried to login but was locked out of my account by truist I then called to see what the issue was I was told that it was closed due fraud which could not have been so I called a day or two later and was told I needed to sign a signature card which i needed to retrieve from a branch the issue is I live in XXXX XXXX XXXXXXXX and the closest branch is in southern New Jersey which is out of the way I asked could it be emailed to me and faxed they said no theyve been assessing account maintenance fees to the 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 monetary relief
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: MS
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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 took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when XXXX XXXX tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

XXXX XXXX says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and XXXX XXXX refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when Capital One tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

Capital One says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and Capital One refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
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 dont know the dates. I was reported deceased and now cant apply for another credit card & have tried to fix with XXXX but they say information is accurate.

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: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax as falsely removed active accounts from my credit profile thereby reducing my credit from a XXXX to a XXXX credit score. 

Equifax removed my XXXX XXXX  account with a {$20000.00} credit limit 0 balance, ( 2 ) XXXX XXXX accounts and ( 1 ) XXXX XXXX account. 

This company will place these accounts on to my credit profile after I have made a complaint to the CFPB but then remove them again 2 to 3 months later. 

It is my intention to also file Federal action against them for illegal credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As I was getting ready to refinance the loan with another lender, I made a huge payment to get the balance of the existing loan reduced. They did not give me credit for the payment in a timely manner. They continued to charged interest for the higher balance. 

I have an attached spreadsheet that calculates the interest base on how they applied the funds on one tab. The other tab has the interest calculation based on the correct applied date, which is the date that I made the payment. 

Please see the attached documents for more information regarding calculation of interest, correspondence to and from the company. 

They sent the same answer to me and then to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation