BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-25
Company: Columbia Recovery Group LLC
State: WA
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:
I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello - I ordered my credit report and score from Experian on XXXX XXXX, 2016. I paid {$8.00} with my XXXX XXXX card and the transaction 's confirmation # is XXXX ; the report number for my documents is XXXX. The website said I would receive my packet by XXXX XXXX, 2016. I did not receive it. I emailed Experian through its general " contact us '' portal on XXXX XXXX to ask about it, and have received no reply and no packet. I emailed them again today, XXXX XXXX, and do not expect a reply to this either. I sat on hold for many minutes today hoping to speak to someone, in vain - never got to speak to anyone, so I hung up finally. Is there some way you can please facilitate their keeping up their end of the bargain? At the same time ( XXXX/XXXX/16 ), I ordered from the other XXXX credit companies, XXXX and XXXX, and had completely straightforward, aboveboard experiences with them both. I am angry with Experian! Thanks for any help you can provide. 
Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as 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 2016-10-10
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. 
XXXX I was layed off and gotten sick could not pay make payments. 
1. Being sued by PHH mortgage XXXX to foreclosure. 
2. They have no assignment of mortgage. 
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? 
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 2022-08-04
Company: Experian Information Solutions 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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: American Financial Resources, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
American Financial Resources ( AFR ) is the is the Servicer on my mortgage. Currently shows that America Financial Resources is a XXXX XXXX affiliate of this lender of my mortgage. XXXX financial is the affiliate owner of AFR. Homeowner has submitted the RMA requesting modification over three times and the same results : lost paperwork, or denied without explanation. 

The most recent realization is that the XXXX and XXXX, 2016 mortgage payments possibly will be late. 

Homeowner has generated a NPV Report, data collection date of XXXX/XXXX/2016 and shows homeowner can possibly qualify got a modification. Homeowner will be be in default since XXXX/XXXX/2016. 

Homeowner is formally applying for a RMA application. Recent comparable of comps sold in the last 90 days is {$150000.00} value as compared to $ XXXX XXXX. This shows a LTV of 183 % in homeowners current mortgage condition. 

The comparable recent sales : recent comp is {$150000.00} to {$160000.00}, sold in XXXX, 2016. The income, DTI and LTV Loan to Values used by the services in the denial of the RMA application are in error. I have provided a recent NPV Report dated XXXX XXXX to show proposed modification data date XXXX/XXXX/2016. 
1. The estimated homeowners value is overstated ; off by {$120000.00} 2. Current street value of the home is {$150000.00} as of XXXX/XXXX/2016. 

The Homeowner is requesting : who or whom, is the current investor/lender. 

The servicer and the investor are signature to the XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 talked with representatives from XXXX, XXXX, and Transunion on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.

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 2015-11-23
Company: Army and Air Force Exchange Service
State: AP
Product: Credit card
Issue: Sale of account

Complaint:
I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this company which has 2 delinquent accounts on my credit report. 
This company claims I owe the city of XXXX for ambulance services. I have never been in an ambulance in XXXX, Texas or XXXX County. This information is inaccurate. I have asked repeatedly for proof to verify this debt with no response. They told me through the XXXX  that they could not release this information to a third party. This is my last step before I contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I filed bankruptcy on a secured credit card from US Bank due to my lawyers advice. US Bank sent me a check for my down payment of XXXX dollars minus the balance on the account. I believe the price I just recently received a check for was about XXXX dollars. The only problem is was this account was paid in full be me and there was no balance on this account. I had lost the card before I filed bankruptcy and I did not notice until now because I know I did n't need that credit card anymore. Long story short US Bank still owes me around XXXX dollars because the balance on the account was made by fraud transactions. The fraud happened around XX/XX/2016 right before I filed bankruptcy. The balance on the account should be XXXX so I should be given the remaining balance. I called and talked to XXXX different people and no one from that company knows how to take a fraud claim on an account that was claimed in a bankruptcy. I am not disputing the account as it was mine, but the fraud transactions that made up a balance is fraud. They ca n't even tell me what transactions came through that made the balance that high. Please help. I feel that they are discriminating against me because I filled bankruptcy and no one wants to 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 2015-11-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: U.S. BANCORP
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity

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 2015-06-11
Company: U.S. BANCORP
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Yamaha Motor Finance Corporation, U.S.A., as dated XX/XX/2022, I, XXXX XXXX, consumer, have a simple question that I am demanding answers of ( XXXX ) Do Yamaha Motor Finance Corporation, U.S.A. comply with, follow Generally Accepted Accounting Principles ( GAAP )? In addition, according to my Consumer Report Im aware Yamaha Motor FinanceXXXX Yamaha are in fact furnishing a {$13000.00} balance to my report. However, my question shall not be construed for any reason or any purpose at any time by any person. Thank you for allowing me to address any of my concerns, sincerely, XXXX XXXX. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation