BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I hold a mortgage loan ( # XXXX ) with Bank of America. I have never missed a payment on my loan. My monthly payment has never been late. I received letter from Bank of America that says that my bank ( XXXX & XXXX ) has placed a stop payment on my monthly mortgage payment to Bank of America. I called my bank and they told me that there is absolutely no stop payment on my account. I called Bank of America. They gave me vague answers and could not explain why my automatic mortgage payment was stopped. They promised me that it will be corrected. I made that monthly payment over the phone. After one week, I received another letter from Bank of America that demanded payment from me and the letter threatened me that if I do not make payment I will be charged late fee and it will affect my credit score. I called Bank of America again and was told that I should ignore that letter. There is nothing I should do. I received another letter that says that they are unable to draw money from my bank due to stop payment. I called Bank of America again and they could not explain to me. They want me to setup automatic payments again, because they made errors. 
I feel that Bank of America is harassing me through this process. I have wasted several hours. The threatening letters actually are nerve recking. I suspect Bank of America is deliberately not fixing this problem and wants to charge me for their errors.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A section 1 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 an account without my written permission. 
The credit bureaus have 15 days to show proof how they verified my accounts are delete all inaccurate accounts from my credit report.

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 2020-04-19
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc for bankruptcy that lexisnexis is reporting XXXX XXXX and other information about me is not correct filed FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing ( XXXX ) recently took over my mortgage. My 1st payment due to them was XX/XX/2022. On XX/XX/2022, a payment was sent to Fay through my banks Bill Pay. This payment was returned due insufficient funds because I accidentally connected it to my daughters bank account and she didnt have that type of money in her account. Once I realized the error I immediately set up another payment, from my bank account this time. This second payment was processed and the money was taken out of my account on XX/XX/2022. On the evening of XX/XX/2022, I received a call from Fay Servicing that they had not received my payment. I explained the situation and they told me to contact my bank to get a Proof of Payment letter and to send this letter to Fay. I did this on XX/XX/2022. Fay said they would look into it and get back to me in 2-3 days. On this same date, I also opted to set up future mortgage payments through Auto Pay on Fays website. No one from Fay Servicing has reached out to me since XX/XX/2022. The XXXX payment still does not show as paid, and due to this issue they are not processing my XXXX payment through their Auto Pay. I have called Fay Servicing several times and sent additional information in an effort to resolve this issue, with no success. I am concerned that this issue will cause me to go into default on my mortgage if not remedied quickly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested information from Equifax via online and in writing about an account with XXXX XXXX account ending in XXXX. I did receive a response however they did not supply the full history. What they sent was partial history. They are showing the account was 2 months behind but at no point are they reporting 1 month. This isn't true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: FL
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 disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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 2022-09-07
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''

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 2020-03-29
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing has infringed upon my right to privacy as a consumer and violated all the following sections of USC 1692 : 1. USC 1692b. ( 2 ) 2. USC 1692b. ( 5 ) 3.USC 1692c ( 1 ) 4. USC 1692d. ( 1 ) I am Invoking my specified remedy as a consumer. I am demanding that this account be removed from all 3 of my consumer reports, and I am demanding compensation for each violation.

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 2015-03-27
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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 2017-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the collections company to let them know that the debt is false. I tried to lease a product from XXXX and they sent the product to my old address in another state. I then contacted them to report it and they told me to fill out a claim form. I filled out the claim form and included the correct address so that they could send me the product. They sent the product to the old address again and asked me to fill out another form. I told them I changed my mind and now I did not want the product. They have now sold my account to debt collections for the amount that the product was worth and Ive never received the product. I spoke with Resurgent Capital Services ( debt collecting company ) and told them the issue and they basically stated that there was nothing that I could do and I would have to pay a debt that isnt mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: GA
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, 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 2022-09-07
Company: Credit Karma, LLC
State: LA
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:
Credit Karma saying preapproved for a credit card but hard inquiries hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am questioning account number XXXX with Debt Recovery Solutions by reason of I have sent several dispute letters to the credit reporting agencies and it comes back verified  every single time. They are demanding that I owe {$820.00} to XXXX on my credit report. I have contacted Debt Recovery Solutions to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE PORTFOLIO MANAGEMENT. WESTLAKE PORTFOLIO MANAGEMENT UNLAWFULLY REPOSSESED MY AUTOMOBILE ILLIGALLY XX/XX/2022 without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail XX/XX/2022 and it was delivered and received XX/XX/2022. 

Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. 

WESTLAKE PORTFOLIO MANAGEMENT is attempting to collect a debt in the amount of {$1700.00}, there is no CONTRACTUAL AGREEMENT between XXXX XXXX XXXX XXXX and WESTLAKE PORTFOLIO MANAGEMENT for them to lawfully reposes my automobile, there for WESTLAKE PORTFOLIO MANAGEMENT is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. 

I DEMAND WESTLAKE PORTFOLIO MANAGEMENT CEASE COLLECTIONS, {$0.00} OUT THE ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, RETURN MY AUTOMOBILE THAT YOUR COMPANY UNLAWFULLY REPOSSESSED AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.

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