BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: OH
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:
I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my credit reports that aren't mine.

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 2022-09-05
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original mortgage was with Bank of America. The mortgage was sold to a XXXX XXXX XXXX XXXX. In XXXX I had a XXXX XXXX bankruptcy and had several incidents with this mortgage company. The bankruptcy was completed and discharged in XXXX. After discharge and in XXXX, XXXX XXXX increased my mortgage payments and when I inquired as to why, I was given an answer that the monies was for a motion that was filed by an attorney during bankruptcy and other fees. I told them they could not charge for items that were taken care of in bankruptcy after a discharge ; however, they refused to rectify the problem. 

I have requested each and every month that the company send me a monthly statement of which they have not done. Each month, I create my own mortgage statement with a copy of the check attached. Each year they state that my escrow is short monies and I have paid each shortgage in one lump sum. This year my home owners insurance decreased ; however, they maintain that the payment does not change. I do not receive any correspondences from them with regard to any payments or deficiences with the exception of the end of the year statement. 

These people have their own method of calculation of payments which are grossly incorrect and result in thousands of dollars being added to a mortgage that should not be charged. 

This company has been sued in the State of New York for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.

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 2022-09-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: AES/PHEAA
State: DC
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:
Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BANK OF AMERICA IS A MUTHER XXXX CRIMINAL!!! THEY ARE OPENING AND ADMINISTERING AN ACCOUNT AND WHO KNOWS DOING WHAT WITHOUT MY CONSENT,, AND USING FICTITIOUS NAMES TOO!!! FICTITIOUS NAMES VIOLATIONS, XXXX X XXXX $ $ 2ND DEGREE FELONY! criminals of america fefuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!!

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 2017-06-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

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 2017-06-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am the successor of my deceased mother 's mortgage loan. I had been enrolled in auto payments with the servicer, received letter of pending escrow shortfall, I mailed the shortfall payment via check in XXXX of XXXX, the servicer applied the escrow payment to the mortgage although they had debited my account in XXXX via ACH which was long established. The mortgage payment increased in the following months as a result of them not applying the paper check to escrow, which was sent to prevent escalation of monthly payments. Several months of my emails and phone calls to them, the problem was not resolved. I eventually made ANOTHER Escrow Payment over the phone with a live representative which was applied to escrow accurately ( XXXX ). During this period I also reduced my homeowners insurance premium which resulted in an escrow overage. The company sent me an escrow refund check made out to the Estate which I have requested 3 times for them to make the check out to me, the Estate checking account has been closed for years as my mother died in XXXX. This same company has honored my request before in the past by re-issuing me a check in my name, also pertaining to a previous escrow overage. I have contacted them repeatedly via email and phone, I get the runaround and now due to their faulty accounting they have not applied the first escrow check to account for a XX/XX/XXXX mortgage payment and instead had kicked me out of the ACH plan because of the paper check they received in XXXX and applied in XXXX, even though they received the ACH in XXXX as well. According to their lousy bookkeeping, they continue to contact me with late fees and letters of being behind in mortgage by 1 month. It's not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: LEXISNEXIS
State: VA
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 wrote letter to Lexis Nexis XX/XX/2021 by certified mail regarding the alleged bankruptcy listed on my Lexis Nexis report. Lexis Nexis never responded to my letter but I know they received it because on XX/XX/XXXX and XXXX. Lexis Nexis completely ignored me. I also wrote a letter to the court and they sent me a letter stating that they do no give information to credit reporting agencies. So how is is possible for Lexis Nexis to fully verify the bankruptcy they are reporting if the court did not give them the information? There is no way they have verified this alleged bankruptcy but they are violating my rights by reporting this inaccurate information and providing it to other credit reporting agencies. I have attached the letter I received from the court, the letter I sent to Lexis Nexis and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

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 2022-09-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I tried to use my card to order food and it kept declining, I Figured it was locked for some reason. The next day I try again and it still doesnt work, I call Chase and after 2 hours of waiting they tell me that my account is frozen and under investigation. I ask why and they had no explanation I ask to talk to a supervisor and he tells me the same thing that they can not unfreeze my account. I ask how long this investigation may take and he has no idea either and all I can do is wait. It is now XX/XX/XXXX I still have no access to my account with the funds I use for my daily necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently discovered today which is XX/XX/XXXX that I have a credit collections bill from a medical bill that was issued in XX/XX/XXXX with a balance of XXXX dollars.I discovered this by checking on my XXXX XXXX. I called the credit collections ( amcol XXXX sc ) and spoke to customer service said they have called which they have n't. I never received a bill in the mail by collections or XXXX XXXX in regards of having a overdue bill. I called the XXXX XXXX in XXXX north Carolina billing department to see the details of bill, the lady on the phone could not give me any information because the bill was 3 years ago. So I decided to call the head of billing and they said they would mail me the billing information that would come in a day or two.but I am certain that I have already paid the ramander of the bill since I did not have insurance at the time. I want to make sure everything is right before I have to pay for something I already taken care of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Sunday,XX/XX/XXXX, I received a phone call from someone identifying themselves as a representative of Synchrony Bank. The representative stated that my account was past due, and that I needed to make a minimum payment of {$100.00}. I explained to that person that I would not be making a payment, and hung up. <P/>On Monday, XX/XX/XXXX, I reviewed my payments through my personal bank, and saw that I have made {$40.00} ( minimum payments ) onXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and my recent payment was done on XX/XX/XXXX. I also checked my files, and saw that I have not received a bill since XXXX ( shows a due date of XX/XX/XXXX ), which I am set up as a Paper Bill Recipient. The XXXX bill reflected aXX/XX/XXXX due date, thus showing the due dates to be on or about the XXXX of each month. <P/>When I called the bank, they explained that my account was past due, and a {$37.00} late fee had been assessed. They stated that no payment was made for theXX/XX/XXXX due date, nor did they show the two payments I made in XXXX. The payment I made onXX/XX/XXXX did not reflect on their system as of yet. <P/>When I explained that I made a payment on XX/XX/XXXX, they stated that the payment was made before the billing cycle, and did not apply as the XX/XX/XXXX payment. When I asked them why they show that I owed {$100.00} instead of a minimum payment, they just stated that the past due payment, the current payment, and the fee is the amount. <P/>When I asked why they do n't reflect the two payments in XXXX, they would not provide an answer. <P/>My complaint is, this financial institution is failing to record payments on accounts, and they are failing to record payments as that of the minimum monthly payment. Also, they are failing to send out paper bills advising the customer of the due dates. This practice is clearing a fraudulent activity and is done for the purpose of collecting additional money in the guise of late fees.

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 2017-06-26
Company: EQUIFAX, 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:
on  XXXX   XXXX ,2016 a dispute for a second time was sent to Equifax disputing the tax liens on my credit file asking for validation and verification. Equifax have pointed the finger at  XXXX  different companies but will not take responsibilities for their action of being the ones reporting it to my file. I sent a third letter after receiving documentation and responses from the company their pointing fingers at whom states that they are in no way reporting to Equifax, Equifax still refuses to correct my file even though the companies they are stating they are getting their information from is stating they did n't get information from them. At this point if the tax liens are not removed i will be filing a la w suite at  my local court. I have tried to get my file corrected for over 8 months and this has caused me a great deal of  XXXX . By law Equifax suppose to verify and be able to send documentation of any and everything they report on your credit file, which in this case they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; and XXXX - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company response to consumer: Closed with explanation