BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Federal Reserve suspended the limit on account transfers. Bank of America continues to threaten me and I'm sure all of its customers with fees for going over a transfer limit that has been suspended. I have tried several times to contact them by phone. Its seems they can't spare enough money from their XXXX XXXX XXXX dollars in yearly profit to hire ample customer service.

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 2017-10-10
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. 
Equifax, and other agenices continue to report the bad debt.! 

PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: NCB Management Services Inc.
State: TN
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}

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 2021-08-16
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : Affirm , Inc . 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to Affirm, Inc..

Card Bank Transfer Credit or Debit All fields required.

Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX XXXX  for the amount of {$120.00}. I immediately cancelled the reservation. Affirm Inc. has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via XXXX. XXXX  at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly disputed hard inquiries that I did n't authorize and am repeatedly told to contact the credit agencies to have them removed, but in doing so the creditors have stated that my dispute is with Transunion not them as they do n't have any records showing that I applied for anything.

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 2017-10-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD

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 2021-08-16
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I signed up for XXXX high speed internet at the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. I cancel my service and returned the equipment because a support representative was schedule to come to my home and connect my internet because i was unable to connect to the internet. I spoke withh XXXX they did not resolve my issue or stop billing. Now I am receiving attempt to collect a debt from RPM also known as receivables performance management LLC. In which that company went to court in Nevada to stop all business pratices.

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 2021-08-16
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Am presently involved in a re-finance process with AmeriSave mortgage. While my complaint is not with AmeriSave solely, I feel this is an industrywide problem. 

The problem I have is a question of fairness in the income verification rules/processes. 

In my case, I presented to the lender that I was employed by a California C Corporation and received a W2. I also happen to own greater than 50 % of this corporation. As such, the lender insisted on categorizing me as " self-employed. '' The result of which was the lender 's request for several documents for the corporation ; i.e. corporate tax returns, profit and loss statements, bank statements, etc. 

I pushed back on their requests stating that I did not have the unilateral authority to disclose such documents as the employer is a corporation and not a party to the re-finance process of an employee. 

Following many heated phone calls with the lender and a consultation with an attorney it seems the lender can ask for whatever they want of me because I happen to be a majority owner of the corporation. As the consumer, I can provide the information or not, but run the risk of being denied the loan as a consequence. 

Herein lies the problem of fairness - given the same or similar circumstances, if I owned only 49 % of the company, I would not have been subject to this additional scrutiny. And yet, in either case - minority or majority ownership - the risk of a loss of income due to some failure of the corporation is the same regardless. So then, to allow additional scrutiny based merely on percentage of ownership seems patently unfair and should not be allowed. 
While I realize that this practice, so far as I can tell is legal, it may have been an oversight when the laws were put into effect or this issue of fairness never before considered. My use of this form has been the only avenue I have found so far to address what might warrant a change in the law.

Kind regards, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Informative Research
State: GA
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Aqua Finance, Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
The account is paid in full NOT a charge off. Aqua finance sent a Paid In Full letter reflecting the {$6600.00}. But has yet to update the credit reporting by removing tje charge off. Because of their inaccurate reporting my credit score dropped 57 points. 
The amount they claim is paid on my credit report of {$5100.00} is also inaccurate. My husband had our credit union mail them a check for the total amount to have it paid in full at {$6600.00}. There is a clear discrepancy of {$1500.00}. I was a co-signer on my spouses account. This fraudulent reporting is damaging my credit which I work hard on keeping it in great standing. This shows by my personal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JEFFERSON CAPITAL SYSTEMS TOOK OVER A XXXX XXXX ACCOUNT THAT WAS REPORTED TO BE OPENED ON, XX/XX/2021 WITH AN OUTSTANDING AMOUNT OF {$2600.00}. I HAVE TRIED TO CONTACT XXXX AND THEY KEEP ASKING ME TO SUBMIT A FRAUD PACKET. I SHOULDN'T HAVE TO SUBMIT ANYTHING CAUSE I HAD SENT OVER DOCUMENTS STATING " SOMEONE STOLE MY IDENTITY. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted several letters to BOTH credit bureaus- TransUnion and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2021-08-16
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I am writing this complaint about XXXX XXXX and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Noyes Law Firm P.C.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was driving home from XXXX XXXX XXXX  and I was called by supposed " XXXX XXXX '' ( who I bank with ) and they asked if I had been trying to send money to someone through Zelle. I had not.. I had no access to a computer since I was driving. They told me my account had fraudulent charges and then told me one of my checking accounts had to be closed because of the fraudulent activity. ( I had XXXX checking accounts ) They then had me send the money to confirm my identity to myself through Zelle to a phone number and said the money would get sent back to me once my identity was confirmed. Next, they said they would send me an email to reset my banking account. I never got an email. I called my bank to check on it and they said there was no record of anyone calling me and has heard of several people getting scammed through Zelle with this same fraud. I have tried multiple times with my bank to get my money back, but they say Zelle is a third party company and they can't do anything about it. {$1400.00} was stolen from me. 

The contact info for the person I sent my money to is XXXX XXXX. I've called the number and asked for my money back and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AXOS FINANCIAL, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Axos bank advertises Cashback Checking which rewards users with a 1 % cash back on some debit card transactions. It does however exclude certain transactions in its terms for receiving cashback. 

I wanted to make a payment to the IRS for my income taxes and wanted to confirm with the service representative that the transaction would be eligible for a cashback since it is not explicitly under the list of excluded transactions. But I am having a hard time getting a straight response. The last response from the representative " XXXX '' mentioned some MCC codes being excluded from cashback but they wouldn't provide me with either eligibility of my purchase for cashback or the excluded MCC codes. 

I fear that the bank uses this lack of information to arbitrarily deny cashback for purchases since they can always pretend that a transaction was in their so-called private list of codes ineligible for cashback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I got a XXXX-family house loan with XXXX XXXX  in XXXX, NY for XXXX XXXX XXXX, XXXX, NY XXXX XXXX 
The problem I have is a recurrent erratic, this bank made for servicing my loan. For several times maybe ten times that although I make payments, the bank said I did not make the payment.

One of the worst thing that happened is about a year ago, erratically, one employee sent me an email that the loan was transferred to SHELLPOINT and so I sent the payment to SHELLPOINT which the bank cashed and reimbursed and I sent the payment to XXXX. 

I have made many attempts to communicate with XXXX XXXX of XXXX about the " agreement '' that I will have to resume the regular payment after the forbearance. I also have reminded them time and again that I made {$10000.00} payment for late payment that I did not caused because of erratic emails and bank statements I am getting The payments the bank asked is far more that the signed agreement and so I paid, {$10000.00}, {$9000.00}, {$8500.00} etc. XXXX keeps on asking for late payment, I did not make. Many times even when the bank cashed the check, they sent me email saying that I did not make the payment. 

This XX/XX/2021, they emailed, mailed me notice that the loan will be transferred to SHELLPONT and so I reminded XXXX XXXX, MS. XXXX, and XXXX XXXX by email several times. I also told them that I spoke to XXXX people at the bank about the problem reminding them to correct any error before moving the loan to SHELLPOINT. 

I communicated also to XXXX XXXX at SHELLPOINT about the years of problem with XXXX  and then yesterday I got an email from SHELLPOINT reminding me that they did not receive the payment although they cashed my XXXX XXXX check on the XXXX of XX/XX/2021. 

I emailed XXXX ladies from XXXX XXXX  about this that I begged from them to correct the mistake before sending the loan to SHELLPOINT. Now it is again happening with Shellpoint. They cashed the check and email me that I made not payment XXXX  ALSO REPORTED IN MY CREDIT REPORT THAT I MADE LATE PAYMENT. 

Please help me solve this recurrent problems. If I am going to REFINANCE, the loan keeps on going UP because of the closing cost. I refinanced because I had problem with the other BANK before XXXX I suffered the CLOSING COSTS yet the LOAN went WILD AND WORST than I exoected

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX office has 3 illegal child support files on my Experian credit report. All 3 are fraudulent and change amounts due to make it appear I owe over $ XXXX. This account was closed in XXXX. XXXX illegally tried to collect from the XXXX  DMV, AG and XXXX XXXX offices. All 3 declined after seeing proof on XXXX  illegally calculating the child support amount in XXXX ; retroactively charging in during a custody battle ( where I had primary physical and joint legal custody ) ; illegally changing the domicile to XXXX ; illegally not allowing a review or modification from XXXX : and also illegally re-opening my expired XXXXXXXX XXXX  drivers license for the express purpose of suspending it again, plus making 9 filings in 12 years for National Holds. Simply put, these XXXX  criminals continue to harass me and illegally violate my rights to XXXX. Even making up addresses that they put on my credit file : so other people get my mail. Every instance somewhere I never lived.

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