BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Portfolio Recovery Opened XX/XX/2019 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX A As you can see, the debt collector is stating that I have disputed then again stating that there were no disputes. 

This account is an account that - A : I have no knowledge of and this becoming more difficult with the misleading information. 
- B : This account is beyond the statute of limitation which was stated to be by multiple collectors from this company.

- C : If this is beyond the statute of limitations then the dates are inaccurae also which makes this negative item illegal and against the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I want to respond to my complaint that I filed for # XXXX. The company that I have identified is part of XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX. XXXX. XXXX bank is working on behalf of IMPAC XXXX XXXX Corp. Mortgage Pass-Through Certificates, XXXX XXXX. I was sent a letter by XXXX XXXX XXXX and it was stated that XXXX was working on behalf of IMPAC and was my investor. I need help for my home and I want to keep my house. Please check to see if this Investor is legal and is being investigated by The Dept of Justice ( DOJ ). Please thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.

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 2021-08-03
Company: First Advantage LNS Inc.
State: MA
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:
National Credit Audit Corporation has knowingly and willingly allowed false reporting after several attempts to have the information review by just responding verified and not actually verifying the debt at all, this is a violation of the FCRA guaranteeing 100 % accurate reporting and neglecting its responsibilities to investigate I has had many hardship due to the choice made by XXXX XXXX who was my collection account specialist she treated me as if I was lying to her very rude and there will be a lawsuit following due to this account being reported in Error and not addressed by call the original creditor and verifying this {$1400.00} debt I had to remain homeless for some time because of this debt its being deleted but this company need to have some for of accountability.

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 monetary relief
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2016-09-18
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.

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 2021-08-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I reviewed my credit reports from XXXX, Equifax, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My previous apartment complex used falsed dates in an attempt to collect money that i did not owe. The complex filled out a statement with the managers signature and date saying i did not owe them anything and then filed for collection 7 months later. I knew nothing about a debt until i received a letter in the mail in XXXX of this year. I was told by the collection agency that if i faxed over the paper from the apartment manger saying that i did not owe when we moved out then they would use that to dispute the said debt. After doing what was asked, they repeatedly said they didnt recieve it and were very rude and said that if i did not pay they would mark it as refusal to pay. When i went to talk to the apartment manager at the complex that says we owe for weeks she gave me different responses and even told me to come back for pictures of proof which needless to she eventually could not find. I still have the move out statement that was submitted to the agency with dates like XXXX XXXX which doesnt even exist. And i also have the letter saying i did not owe. This debt is false.

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 2021-08-03
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a car that I purchased for my child and what she hit a XXXX. The insurance paid off most of the debt and I contacted them to pay off the rest I settled for a less amount and paid over half of the amount. This that was not even theirs it was to a totally different company that went out of business. They did not follow through with their part of the bargain and remove this from 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 2021-08-03
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:
On XXXX I sent out letters, certified mail, to XXXX, TransUnion, and XXXX stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: KEYCORP
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX and XXXX fraudulent charges were made on my credit card. The company was XXXX. First Niagra supposedly did an investigation. They said it was n't fraud. So they sent the claim to the disputes department. They said there investigation determined the claim was for unauthorized charges. So they turned the dispute to a different unit. I have a letter from the investigator called XXXX XXXX. They said it 's was a dispute because I got something from them, but they never said what. In the meantime Key Bank bought First Niagra. I asked them to perform a new investigation. XXXX XXXX from Key bank said she, did but they did n't. She said she had nonever of the First Niagra records. I asked to speak to a supervisor. After numerous calls I reached a supervisor. I told her that Key Bank did not do due diligence. She said she would contact XXXX. She said I purchased soccer equipment. I said I didnt. I am XXXX and have a XXXX XXXX XXXX granddaughter and did not make an such purchase. Then the supervisor told me to call XXXX and and she gave me their phone numbers ( XXXX and XXXX ) and told me to talk to their customer service. I said ok. Then I realized I did n't have the credit card and the bills only have the last XXXX digits. I called the supervisor XXXX XXXX XXXX XXXX ) back again she said I should call XXXX and use my customer ID number. I said I did n't have a customer number because I 'm not a customer. That 's the point. Yesterday she said she 'd contact them again. I said Key Bank owes me me the XXXX because I already paid those amounts. I have the letters from First Niagra and Key bank as well as the bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Company agreed that if I paid my accounts in full they would remove them from my credit bureaus. It has been over a month and they are still reporting on all XXXX bureaus. I have called them several times and continue to get the run around and no one can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted requests to : XXXX, Equifax and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted requests to : XXXX XXXX and Experian, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please 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 2022-08-04
Company: EQUIFAX, INC.
State: CT
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation