BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
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: Information belongs to someone else

Complaint:
While I was reviewing my credit report, I saw an account that is reporting on my credit file but it is false. I do not have any debt with this company, and I have no knowledge of this account. I believe this is some sort of fraud because this account does not even have any relations to any accounts I have approved. The other two Credit Bureaus XXXX XX/XX/XXXXXXXX have already fixed this fraud/error and removed the account. Please investigate this issue because it is stopping me from gaining any new credit! This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resubmission - I reached out to them XX/XX/XXXX in a request for validation and they never responded as you can see with the attached green slips. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed for bankruptcy back in XX/XX/2019 and did not reaffirm my auto loan but chose to keep the vehicle and continue payments. Even though I have continued payments on a timely basis the bank refuses to report my payments, telling me that I MUST reaffirm the loan in order to have them report payments. This is basically BLACKMAIL! I now know that lenders dont even have to report your payments to credit bureaus, but to hold this over your head when youre trying to rebuild your credit is not fair and should be illegal! I know that by not reaffirming I am not responsible for the loan, but I feel as though Im doing the right thing by keeping up with the payments and being punished for it! I would think that Huntington Bank would want to do the right thing too, and report my payments. Yes I did call and talk with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got a notice in the mail dated XX/XX/XXXX from " The Law Offices '' of Mitchell D. Bluhm & Associates , LLC about allegedly owing {$1300.00}. The letter states that a XXXX XXXX XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and that this account has been placed in collections. I haven't previously had any statement of a delinquent medical bill by either and if I had, I would have made payment before it went into collections. It says the service date was XX/XX/XXXX, but I never received ANY notice until now nor do I recall receiving ANY sort of service as described around or near said date. This could negatively affect my credit score and I've just started to receive multiple robo calls from spoofed local numbers, clearly a TCPA violation. The letterhead on the notice from XXXX also seems to imply that they are a law firm and attorneys, yet any other information points to scrupulous debt collectors. I would like it stated in writing that this debt isn't valid and that I am declining responsibility of this debt. I never received prior documentation from this XXXX XXXXXXXX XXXX, of whom claims ownership. This company has failed to provide an itemized bill detailing the alleged services / debt. The XXXX Account Number referenced is XXXX. I intend to take whatever action is necessary if this harassment and issue are not properly resolved in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BANK OF AMERICA required me to apply for the Hardest Hit Fund before they would assist me with a loan modification. Once my loan was current because of the Hardest Hit funds, BOA refused to give me loan modifications options I could have qualified for with my loan current and up to date because of the Hardest Hit funds. My only income is XXXX and child support. They have increased my income by 125 % to determine my new monthly mortgage payment because they claim it is not taxable. 
Even with this inflated amount, they are proposing a 90 day trial where I make a mortgage payment to BOA that is 39.75 % of this inflated gross income figure they have come up with. 
It 's 56 % of the net income that my family has to live on each month. I do n't see how this is an FHA compliant modification. Because I asked a question about the income numbers they used, BOA is trying to claim I 've opted out of the trial offered. I did not XXXX out of anything. BOA asked me to fax my inquiry to their opt-out team to be reviewed. This process should be this complicated. It should be geared to protect the consumer/citizen. I need action and help to make this right. I have XXXX children and stability is paramount to the well being of my family.

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 2017-02-21
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my direct deposit was processed and should have been available XX/XX/XXXX at XXXX into my TD bank account. On that same date XX/XX/XXXX I had 3 payments come out of my account to be paid. I was told by the teller since their bank TD did not make my direct deposit available for XXXX that I was responsible for the over draft fees since they hit my account on the same date prior to TD bank making my direct deposit available I advised the teller my prior bank always made my direct deposit available at XXXX and what makes their bank different. This is not right at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the fair credit reporting act US BANKRUPTCY COURT XXXX XXXX ACCOUNT # XXXX & ACCOUNT # XXXX, have violated my rights. 

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 reporting agency can not furnish a 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 2018-02-03
Company: CITIBANK, N.A.
State: KS
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:
cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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 2019-03-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint against Midland Credit Management. Midland has failed to provide me with requested information about the alleged debt. I have made several attempts to rectify this by written dispute letters to them and the credit reporting agencies. All of my efforts in sending certified letters to them were of little or no avail. On XX/XX/2019, I received a demand letter from this debt collector Midland,  stating they were " uncertain of what you are specifically disputing ''. In my disputed letters, I clearly and respectfully ask in my letter for documentation of the following : ( 1 ) The signed copy of the original consumer contract, a contractual agreement that you say I owe and agreed to pay you ; ( 2 ) Any receipt ( s ) of sale ( s ) of the alleged debt ; ( 3 ) Copy of your debt collection rights, license or any proof that Midland is licensed to collect this debt in the state of Florida. Midland 's demand letter never included any of the requested information that would show ownership of this account. Let it also be mentioned, that failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the alleged debt. I hope this matter can be resolved soon and that it be taken care of amicably as my credit has taken a hit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion continuously claims to not receive the mail that I sent them time after time. I will call in and one representative will claim they have received the documents and the next representative will claim I need to re-send my dispute. At this point I believe they are using this as a STALL practice I am very u happy with the service they are providing!!!!

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 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation

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 2020-01-16
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 am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RESUBMISSION : I reached out to portfolio for the first time to acquire validation on an alleged account reporting to my file. They sent back a letter the first time stating " They had electronic files and If I wanted to see them to request it. '' Funny this is, is that my first letter to them was requesting the documents that they had on file to " validate the account. '' I reached out to them again ( as you can see from the green slips attached ) and I never received a response from them. I also filed an original complaint XX/XX/2022 and it was closed without being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.

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 2016-02-15
Company: INGRAHAM & ASSOCIATES, P.A.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX a debt collector attorney purchased a Charge off from XXXX XXXX and then Fraudulently filed a Judgement against me XXXX/XXXX/XXXX, using XXXX XXXX XXXX XXXX to be named as Plaintiff. I XXXX XXXX was never informed or served notice to attend Court. The account was reported delinquent in XXXX XXXX and The Vehicle was repossessed and returned in XXXX. Upon numerous attempts in contacting XXXX XXXX I am told that that XXXX has no Judgement filed against me. As of XXXX/XXXX/XXXX XXXX submitted a letter by mail to me stating that XXXX does not " report '' judgements and to contact the debt collector. How can XXXX be listed as a Plaintiff '' if XXXX does not report Judgements? As a Texas resident Statute of Limitations on Auto contracts is 4 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: South Carolina Student Loan Corp
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Discover Bank has had a rash of fraud on their accounts. I got an email on XXXX XX/XX/XXXX, about an authorized activity on my account. I did not click on the email, but went to the website and tried to log in. It was locked and told me to contact their fraud department. When I called it said the wait would be over XXXX hour. I sat on hold for XXXX hour and XXXX minutes and had to hang up because I was at the doctors. For the last few days I have been calling trying to get a person to no prevail. After XXXX hours on hold their phone system hangs up on you. Their customer service refuses to help you and tells you there is nothing they can do. 
XX/XX/XXXX XXXX hour XXXX minutes- had to hang up XXXX seconds- said the wait was over XXXX hours XXXX hours XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours- had to hang up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours XX/XX/XXXX XXXX hours XXXX minutes - system hung up They have frozen my funds with absolutely no way to contact a human to assist me. Their customer services answer is we know about the problem and are working on fixing it, but you just have to keep calling until you get to a person. They will not help you, they flat up refuse to let you speak to a supervisor. If i needed these funds for any reason i would have no way to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 third party collector called and hung up in my face from a local telephone number. Contacted them back by being transferred through Ally Bank automated system to advise them that I had GAP coverage and that the almost {$13000.00} balance shouldve been directed back to the manufacturer or dealership ; the collector wouldnt listen and told me to go back and contact the dealer or manufacturer. See all 3 attachments that reflect GAP insurance was purchased. 
XXXX Warning : not a service member, veteran, dependent, or spouse )

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 2022-02-23
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I have been on XXXX XXXX and I reached out to AMEX about it, to get the issue resolved. AMEX is reporting late payments on my report. I have tried to fix this issue with no luck at all. I was oversees and had no access to a phone or anything. I am wanting AMEX to remove the late payments from XXXX XXXX  XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
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:
I am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief