BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE BANK USA is reporting to all credit agencies two accounts that do not belong to me. The first account was opened XX/XX/XXXX with a credit limit of {$400.00}. The other account was opened XX/XX/XXXX with a credit limit of XXXX. Neither account belongs to me but it is still being reported to all agencies under my name. The records of both accounts do not match my SSN and when I give my information to capital one agents over the phone they do not have any records of this. My full social is XXXX and my DOB is XX/XX/XXXX. All of the accounts that are appearing on my credit profile the only information that matches my accurate information is my name XXXX XXXX. Nothing else in the records matched for my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CASHCALL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Constar Financial Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CASHCALL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio 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 2016-09-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. 

I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: Penn Credit Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Central States Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have a hospital bill that i have been making agreed payment on The hospital turned the account over to central states recovery in XXXX Ks. They told me it was in error but they could n't recall it.I have since been making agreed payments to central states recovery I checked my credit and they have reported it as a new and derogatory account.

Company response to consumer: Closed
Consumer complaint received 2016-05-05
Company: 2288984 Ontario Inc.
State: SD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Malcolm S. Gerald and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Brookshaw Management, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My account with XXXX was sold to XXXX and recently they were going to subpoena me to court if I did n't pay {$300.00} dollars. So I did n't want to risk going to court and pay fees so I agreed. The so-called debt collectors are called XXXX Management. I checked out their website and it did n't look credible. Is there anyway you can find out if I have been scammed? I know my money is long gone by now but I want to know if I really paid my debt. Also, when I checked my account with XXXX it said I only owed them {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried, I just ca n't keep up with them anymore. 
But, they have been cruel to my plight, showing absolutely no sympathy or constructive solutions to the problem. Instead they continue to harass me with continuous phone calls all hours of the day and it needs to end. 
I am asking for help to make it end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation