BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.

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 2020-01-19
Company: EQUIFAX, INC.
State: MN
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:
The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent XXXX, Equifax and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to refinance my house to repay IRS for early withdrawal penalties from my Retirement pension. 

I received this mortgage from Cross Country Bank to pay for that debt. 

My wife 's income has been slashed drastically due to commissions and downturn even before CV.19 but now is critical. 

The only thing I am asking is to change the date of the payment to the XXXX of the month. I can not afford to pay it on the first since most of my bills are on the XXXX. 

I have asked them several times to change the due date and they have refused. 
Most of the time when I have had a loan it was not a big deal to change the payment date. 

Now they are charging me a late penalty when I am paying past the XXXX date. 
They will not allow me to automatically pay on the XXXX. They only allow me to pay XXXX XXXX. 

With our economy in a tailspin, we really need to be able to work together. 
My only option seems to be to refinance again to get out of this situation which would add more fees. 

These are the dates I have asked for the date change. 

How can I change my payment date? Auto Drafting XX/XX/XXXX XXXX XXXX Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : :How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX  How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I payed off my bestbuy credit card and closed the account after checking to make sure it was payed in full and now they are telling me I owe them money

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 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I paid off my loan down to a XXXX  balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit  bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.

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 2018-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XX/XX/2016 purchased a used car from XXXX XXXX XXXX sales ; XXXX XXXX XXXX XXXX  XXXX ; XXXX NY XXXX ; XXXX. This purchase was due to the vehicle we had failed. I was given a subprime loan through Credit Acceptance Corp ; XXXX XXXX XXXX XXXX XXXX ; XXXX MI XXXX. Telephone XXXX. Loan XXXX for XXXX. The paperwork i signed stated New York Credit Acceptance Corp. I was charged 22.99 % interest on a 48 month loan. 
New York State has a limit of 16 % as well as The Federal Government. The total finance charge is XXXX. the payment is XXXX a month. I was told by the salesman i must purchase an Extended warranty to obtain the loan. the cost is XXXX the warranty, which I found out was optional.XXXX XXXX plus Contract CAP XXXX. I cancelled the warranty with XXXX XXXX they charged me {$50.00} cancellation fee, they will not explained the amount of payment anf interest per month for the warranty. The reimbursed me XXXX. I was told my payment stayed the same. But they deducted the reimbursement amount. There is over XXXX unexplained. 
It should be noted I needed 4 repairs to the vehicle, the warranty told me all were not covered.

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 2023-01-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
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:
A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : BERLIN-WHEELER-KS Number XXXX XXXX The account violated 15 U.S. Code 1681b.

I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC is reporting a debt of {$2200.00} on my consumer credit reports. In XXXX of XXXX and then again in XX/XX/XXXX we wrote to Portfolio Recovery asking them to verify the debt, provide a payment history and documentation that proves they actually have the right to collect on this alleged debt with an assignment. 

They have yet to respond with any of the requested documentation. 

More than three ( 3 ) years ago I received one document only from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, and it is attached to this complaint. In the past I submitted a dispute with the credit reporting agencies but nothing was done and the debt continues on my report as a collection matter. 

XXXX, Portfolio Recovery Associates, LLC Dispute Department, XXXX XXXX XXXX, XXXX, Virginia, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In regards to the original complaint # XXXX that was closed before the appropriate feedback response that I attached was provided. The appropriate requested resolution has not been reached under HUD XXXX. 
In response to the XX/XX/XXXX SLS response on complaint # XXXX please note below. XXXX ) The Agreement ( offer ) that was sent on XX/XX/XXXX was invalid as the FHA loan was still in CARES ACT Forbearance period. 2 ) As Forbearance was ending XX/XX/XXXX, there was a need to come to an agreement with Mortgage relief options established in the CARES Act which fall under FHA XXXX XXXX waterfall for FHA-insured Loans XXXX The appropriate XXXX Recovery options were never sent in compliance with the FHA XXXX XXXX Loss Mitigation Options before the XX/XX/XXXX Letter. XXXX ) Therefore, Letter that was sent on XX/XX/XXXX, was a form of illegal discrimination under the Fair Housing Act and did not comply with the CARES ACT and/or HUD Law Recovery requirements. XXXX ) SLS claims they responded appropriately to inquiries when in fact XXXX ( HUD ) had an outstanding inquiry we were awaiting response to the on the XX/XX/XXXX letter that were never responded to by SLS. There was an inquiry made by XXXX XXXX HUD ) regarding the if the interest rate could be adjusted to be in line with a previous interest rate offered of 3 % for XXXX Months. XXXX ) The letter on XX/XX/XXXX, saying no longer being reviewed should have not been sent at this time as the SLS did not provide the appropriate response to the outstanding inquiry prior, and a good faith payment was made. XXXX ) The Letter from XX/XX/XXXX was not another modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) Again, the SLS letter from XX/XX/XXXX was not modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) In the letter dated XX/XX/XXXX SLS said they left a message with my authorized party XXXX ( HUD ) on XX/XX/XXXX in which I was never notified by the HUD office by phone or email. In addition, I never gave SLS the authority to contact XXXX ( HUD ) by outbound call if that is the case. She was added to call inbound for information on the account. They should be calling me on the number listed on the account unless directed otherwise. I also sent this follow up request to SLS Fax which they received on XX/XX/XXXX XXXX. XXXX ) Please have SLS send the appropriate Modification in compliance with FHA HUD XXXX ( Includes Modified Payment + Partial Claim ) not a Stand-Alone Partial claim. A XXXX XXXX XXXX Modification would establish an affordable monthly payment, resolve the outstanding mortgage payment arrearages, and permanently modify the first mortgage monthly payment so the Partial Claim can eventually be paid off.

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 2023-01-04
Company: EQUIFAX, INC.
State: NC
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 XXXX, XXXX XXXX account number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This has been going on for quite some time and my home of 30 years was foreclosed in  XXXX .   There are so many layers to my problem I do n't know where to begin. Let me start. Around  XXXX  I was convinced to refinance my home. I did so and set up bi-weekly payments. The payments went to about  XXXX  companies ... finally they went  to Countrywide, then  to Bank of America. The payment were automatically withdrawn from my account. Then ... suddenly I received a notice from a debt collection agency ...  XXXX   XXXX   XXXX   XXXX . I did n't know why. My payments were automatically deducted from my account twice a month and from time to time i would add a little extra so I could pay off my mortgage sooner. Well ...  XXXX  took the money from my account ... they just did n't credit the mortgage. There were many phone calls back and forth and eventually  XXXX  convinced me to refinance my mortgage AGAIN. .The problem continued. A rep from   XXXX   told me there were always problems with computers when the companies chang ed ( news t o me ) then I was also informed they were a division of  XXXX ! Eventually  XXXX  changed their name to  XXXX . There is way too much paperwork to cover here but the bottom line is after spending thousands and thousands of dollars on NOTHING I eventually lost my home of 30 years to foreclosure. This did n't ' have to happen. I paid for my home many times over just trying to deal with the debt collection agency. It seems that Bank of America simply robo-signed my mortgage to  XXXX  without reading it. If they had they would see that I had a stellar on time record of payments and a wonderful credit rating. Not any more. Due to this fiasco I lost my home, almost all of my savings  ( inc luding my retirement account ). my good credit, and it is now almost impossible for me to find employment because I am labeled as a deadbeat. I contacted a lawyer who recommended I file for bankru ptcy. ( This h as caused even more problems )

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 2023-03-14
Company: American First Finance, Inc.
State: IN
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:
This company has broken several consumer protection laws and has violated my consumer protection rights for over a year now. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: MI
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:
Im victim of identity theft the thieves rented an apartment with my documents. I already disputed the account with equifax and the company reporting the balance. I already provided police report and identity theft report. But they dont close the account and results of investigation is the item belongs to you I dont know what else to do. To proof that I have been victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AmSher bought my debt as a 3rd party debt collector which I gave no permission to sell my debt from a medical bill from prior years and continuously harasses my family members phone who repeatedly told them to quit calling that it is not my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
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:
I have a loan with XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans Union In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX 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 XXXX : 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 2022-09-30
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA repossessed vehicle without notice, payment was demanded to retrieve personal belongs, and under the laws of the State of Florida, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortage with XXXX ( originated via XXXX XXXX XXXX in XX/XX/2021. My loan was for $ XXXX. I put 5 % down on the loan, requiring PMI. 

I have since paid the mortage down to 79 % of the loan, with a remaining balance of $ XXXX. They refuse to remove the PMI. I read that by law it has to be removed when paid down to 78 % of the loan. They said they will not remove the PMI until my loan balance drops to $ XXXX, which is 63.84 % of the balance. 

This is against the law. Please help me. 

Mortgage : LakeView Loan Servicing LLC XXXX 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 explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : Acct XXXX 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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