BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: IA
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 submitted numerous disputes with XXXX, XXXX, and Equifax with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, XXXX, Equifax, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please refer to CFPB case # XXXX filed on XX/XX/XXXX Answer received on XX/XX/XXXX be XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints, Bank of America .

The answer is missing on the HELOC loan ending in XXXX : Customer would like answers to these 8 specfic points. 

1. Regular payments were made from XX/XX/XXXX through XX/XX/XXXX. The last payment made was on XX/XX/XXXX. The uninterrupted total interest payment made on the note during these 4 years was {$95000.00}. Please confirm this amount. 

2. Notice of Intent to accelerate dated XX/XX/XXXX provided curing date of XX/XX/XXXX in the amount of {$27000.00}. Please confirm. 

3. The same letter dated XX/XX/XXXX paragraph 4 also stated If the default is not cured on or before XX/XX/XXXX, the mortgage payments will be accelerated with the full amount remaining accelerated and become due and payable in full, and foreclosure proceedings will be initiated at that time. Please concur that this is true. 

4. Since default was not cured and we were past the due date of XX/XX/XXXX, please confirm that this letter was also a valid demand and Intent to Accelerate of all sums due under the note. This is BOA obligation to answer. 

5. Prior to sending the letter of intent to accelerate until the loan was assigned to the servicer on XX/XX/XXXX Bank of America sent several threatening notices of default and foreclosure. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX ). Please state the real reason why intimidation tactics were used and no foreclosure was commenced. This is BOA obligation to answer. 

6. Please provide the interest rate, accrued interest and fees history on the note covering the nonpayment period of 2 years i.e. from XX/XX/XXXX through XX/XX/XXXX before the note was assigned to the servicer on XX/XX/XXXX. BOA has obligation to provide this interest rate, accrual interest and fees history. 

7. Please provide the copies of the certification of the original Countrywide HELOC note which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has obligation to provide the requested copies before foreclosure can be commenced. 

8. Customer will proceed to the next level of CFPB and will get intervention of Federal Trade Commission if BOA fails to provide the requested information. 

Thank you. 

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 non-monetary relief
Consumer complaint received 2017-10-17
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After having XXXX in XXXX XXXX, I received numerous medical bills. I paid all the bills I knew about. Sometime between XXXX and XXXX XXXX I received numerous phone calls each day from the same number. The caller would never leave a voicemail for me to determine the purpose. When I answered the call, the caller stated they were from an institution I had not heard of and that I owed money. They would not discuss the debt with me until I confirmed personal information. I requested their company name and phone number so I could confirm who they were and that it was not a scam prior to providing my personal information. They were not cooperative. I did not hear any more about this debt until my credit was pulled for a new home purchase in XXXX XXXX. This was a stagnant account for a year and a half. I was not contacted in any way during this time. Now, after a year and a half, the debt was sent to collections and last week I was finally told this was a legitimate debt and not a clerical error. I want to pay this bill but have not had cooperation with getting the claim off of my credit history once paid due to the communication being poor about the debt initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Cottonwood Financial Ltd.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
It has been since the beginning of 2022 that I have been trying to get access to my free credit report from Transunion. I had to send in information to verify my identity and even when I have called on separate occasions on dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have still not been able to get online access to my credit report. Customer services keeps telling me that my case number XXXX has been " escalated '' to address the problem, and they have told me over 4 times that I will be able to view my credit report online within 7-10 business days and each of those 4 times, I am faced with an error message. They have explained that since Transunion had to separate two files ( my mother and I have the same name, so all our information was entwined and treated as one single credit report ), that was the issue. But supposedly that is the issue that keeps getting " escalated '' and I have been told the same thing over 4 times that it will be viewable to no avail.

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 2022-06-11
Company: AmeriCollect
State: WA
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:
Americollect I just recently paid off the XXXX dollars in full on one of my collections and the other saying I owe XXXX dollars I set up for a payment arrangement now on my file it says closed when it was open and nothing on my credit score has changed Im trying to build my credit right now and do all the right things and now Im at a stand still even when Im setting up payment arrangements and paying off debts this problem needs to be fixed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-06-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an 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 2017-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a rehab facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.

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 2019-10-14
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My brother has a loan through Freedom Mortgage on a VA type loan- he has recently passed away and when I took over as executor of his estate, and tried to work with Freedom Mortgage to resolve his loan, and be able to receive mailings and correspondence, I was ignored, and no mailing ever went to me, or phone calls to me regarding his loan with Freedom Mortgage. When I found out about the home being foreclosed on, and was never once mailed a letter or had a phone call, I was in total shock. I called Freedom Mortgage immediately, and was told they sent his mail to a PO Box that he was using prior to his death. When I asked why NONE of his mail was being sent to me as requested, I was told, the address they sent it to was the one on file. Despite my requests to have all mail and correspondence sent to me. 
The hose is now in process of being sold, as we have lost hope in keeping the property. Now the mortgage company will not give the title company a payout amount to resolve the title. The mortgage company has done everything they can to foreclose on this home, and has made no effort, or action to work with me in any manner to resolve the loan, or allow the title company to resolve the payout amount. 
The mortgage company has- Death Certificate of my brother, my ID, court documents with me as executor, and the my address to where to send mailing, and still never once contacted me regarding his account. Who were they working with on this foreclosure?

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 2019-07-28
Company: Synovus Bank
State: MS
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 a credit card with first progress my credit limit only XXXX. They had me paying back XXXX not reporting the correct information after receiving my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
My issue is with XXXX I disputed Three items on my credit report. Yet they have not responded with the results. XXXX will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to XXXX was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to XXXX. I have yet since XX/XX/2018 to recieve a response from XXXX with my follow up letters and info on 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit score from my XXXX XXXX credit card. It had dropped by XXXX points. I had a red alert. Someone used my credit report for a credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX oy 2022. It wasnt me. I called XXXX XXXX XXXX and they said yes, someone had used my credit report for a credit check. They canceled it on the spot. They said the credit card didnt go through. I would like to get this taken off my credit report. I have perfect credit. 
It had went on my TransUnion report. XXXX XXXX XXXX  I contacted was as follows. XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX. XXXX I would like for this to be taken care of. 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 non-monetary relief
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I disputed this account twice with the credit bureaus and they came back and stated verified. I have documentation that they verified it. I also have documentation from the creditor indicating that I was never late in XX/XX/2019 since the loan was paid in full on XX/XX/2019. So how can this be verified when the loan was paid on XX/XX/2019, and the month has yet ended? This is a violation of the Fair Credit Reporting Act, reporting inaccurate data on 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 explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: IL
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:
HI, today XX/XX/XXXX I wrote a complaint about XX/XX/XXXX I am looking forward to a response. I must continue to write because I know CFPB and I will get some results. My student loans belong to my children I am the cosigner. these loans were used at XXXX for XXXX my dau in XX/XX/XXXXand at XXXX in XX/XX/XXXX for my dau XXXX. There is a 3rd connected to me but disbursed to my nephew XXXX XXXX in XX/XX/XXXX for XXXX, I never ever agreed to or signed for the loan ; of course it was an esignature ; I am currently filing fraud charges on this loan. Here is another problem the loan for XXXX is in wage garnishment with a third party XXXX as of XX/XX/XXXX monthly in the amount of {$660.00}, but this loan is also included in a consolidation that I will repay starting XX/XX/XXXX monthly in the amount of XXXX, I think or in the area. I have talked to Navient and FAFSA they do n't help because they are unwilling. I sincerely await a response. Thank you for your!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX XXXX XXXX and the trucking company they guided me to.

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 2022-06-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
15 U.S.C. 1681 SECTION 602 A WAS VIOLATED

Company response to consumer: Closed with explanation