BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX  XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2015-12-16
Company: Michael Andrews & Associates LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through 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 explanation
Consumer complaint received 2016-06-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.

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 2015-09-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
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 have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm a former Student of XXXX XXXX XXXX. I XXXX in 2010. The school has always been a fraud. A couple of years ago, I tried to get loans discharged through Navient due to fraud but they shut me down. The school did not live up to the expectations. It defrauded students into believing they would walk out with job offers and high salaries. On top of that, too many students have loans including private that they did not take out themselves. The school applied and signed for them ( including me ) and never shared the paperwork. Now that XXXX XXXX has been proven to be that way, I would like my private loans removed. I 've already sent a Defense to Repayment for my federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
One month, I paid only XXXX % of my credit card bill ( due to an oversight ). Bank of America charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. 

I called to complain, and they reset it, but this is presumably happening to many BoA customers all of the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.

Company response to consumer: Closed
Consumer complaint received 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from me.

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 2017-01-10
Company: TFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?

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 2015-12-16
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that XXXX is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get it straightened out that this is with another collection agency and the matter is being handled. It is not fair that the company did not inform their XXXX # that this is no longer a matter for them to be collecting on. Plus I know that you can not leave account numbers on an answering machine of another party. You are only allowed to leave your name, company name and phone number when trying to reach the party in question. Information is being left with family members and friends after being told to cease and desist. Want them to get their records corrected and remove all of my information from their systems. I never gave them my friends or family phone numbers either so not sure how they are getting them. I believe they are using skip tracing tactics to get the phone numbers of potential relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Credit Protection Association, L.P.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Protection Association reported a collection on my credit report without ever giving me a right to dispute. 

When they finally mailed me a notice, it contained an account number that is not listed in the original creditor 's system.

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 2020-08-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have XXXX in my checking account from citibank. Call citibank they said they will send out around XXXX in another 30 to 60 days which i already have to wait 2 months since XX/XX/XXXX. Please anybody 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 2016-10-05
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. 

In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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