BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will turn two hard inquiries into soft inquiries on my credit files : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to make these hard inquiries into soft inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files as hard inquiries ; they have not been turned into soft inquiries as agreed to in their written correspondence ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. I have waited far longer than the 90 days than Bank of America said it would take to complete this transaction. Bank of America has now, intentionally and deliberately defaulted on their agreement as outlined in the attached letter from XXXX XXXX. Bank of America has caused me financial harm and damaged my credit report by not following through on their written obligations and promises to me to turn the hard inquiries into soft inquiries.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, 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 2021-05-18
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: Information belongs to someone else

Complaint:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Also please remove the following fraudulent inquiries : XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. The ID Theft report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2017-06-08
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have been disputing this account on my Report since  XX/XX/XXXX when I noticed that this appeared on my report.
I have asked both   XXXX   ( CRA ) as well as  XXXX  ( Creditor ) to furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .   XXXX   does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.
I have spoken to   XXXX    several time after each dispute requesting documentation, the person who is verifying this information and the method that   XXXX    is using to verify. I was just told by a Supervisor  XXXX  ( would not furnish last name ) at the Dispute dept. of  XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.
This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.
Why do we have laws and acts if CRA 's can circumvent these laws so easily?
<P/>
I have provided the information below on my dispute history.
<P/>
This is a summary of your   XXXX   Credit File activities within the last 365 days.
We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized   XXXX   to deliver online.
<P/><P/><P/><P/>
Results   XXXX   COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Viewed  XXXX  PENDING XX/XX/XXXX  XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX Expired   XXXX   COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX     XX/XX/XXXX  XX/XX/XXXX  -  XXXX  COMPLETED XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   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 explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: CA
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:
In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either

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 2022-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was a victim of a scam. I was the treasures for an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the president of the organization used to email me when I had to pay someone or a business for any services to the organization. One day I received an email asking me to wire XXXX to a USAA bank account. Then they asked me to XXXX  XXXX to XXXX different email addresses. I sent the money and days later, I got a call from the XXXX asking me what is going on with the account and I told her I paid who she asked me to pay. She then tells me that she never emailed me so then I noticed that the email was first hacked then spoofed to make it appear that she was emailing me from the organization email. I then contacted XXXX XXXX and USAA so they can investigate the fraud transactions. They could not recover the money because they said that it was sent though a third party. I would like to recover the money because it was part of a scam and I fell victim to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has fraudulent accounts on my profile that need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked both   XXXX  ( CRA ) as well as  XXXX  ( Creditor ) to f urnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .  XXXX  does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to  XXXX  several time after each dispute requesting documentation, the person who is verifying this information and the method that  XXXX  is using to verify. I was just told by a  Supervisor   XXXX   ( wou ld not furnish last name ) at the  Dispute dept. of   XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your   XXXX  Credit File activ ities within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized  XXXX  to deliver online.  <P/><P/><P/><P/> R esults  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX   E xpired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   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 explanation
Consumer complaint received 2017-06-08
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I had filed bankruptcy and the company is still reporting this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Carrington mortgage reported late payments and I need them removed mortgage was paid not the house is sold and the XXXX payments are still there the loan was sold never recieved a welcome letter was still sending to old company never notified til I received late payments on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Allied Collection Services, Inc. (Nevada)
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:
Allied collection service should not report on my credit report as I am not liable for the debit since I have no contract with them. From  XXXX    XXXX  . They can not validate that I have a signed contract with them.   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 2017-06-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
"  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OXXXX XXXX paid JP Morgan Chase {$1200.00} for mortgage payment I. XXXX, Oh. Due to mistakes by XXXX the check was declined. <P/>On XXXX went back to Chase and asked if they were going to resubmit the check for payment. The woman at the XXXX XXXX, Oh Chase called the home finance department and they said they would not resubmit the check. Since they were not going to resubmit I wrote another check and gave it to the lady in the bank. <P/>On X/X/17 I went back to Chase and talked to customer service in XXXX, Oh and the woman at the bank called the home finance department to find out both checks had been cashed. Home finance advised that a refund check for the second payment would be sent via XXXX or XXXX overnight. <P/>XXXXWhen it was not received X/X/17 or X/X/17 after 5 calls to Chase customer service, the issue was not resolved. I was told that the check was shipped but would not supply a tracking number. <P/>It 's X/X/17 and we have not received the refund check from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: MI
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Fay Servicing, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I purchased our home located in XXXX, AK for {$230000.00} in XXXX with a {$40000.00} down payment with XXXX XXXX. 
My husband left in XXXX of XXXX. Being a single mother of XXXX children made it impossible to pay the mortgage. XXXX XXXX informs me that they will foreclose on XX/XX/XXXX. 
I filed chapter XXXX bankruptcy in XXXX of XXXX in hopes to keep the house until my children graduated high school. The mortgage was sold to Fay Servicing. 
Fay Servicing modified the loan with promises of making payments affordable on my single parent income. The amount owed on the house at the time was {$240000.00}. The modification rose this balance to {$320000.00}, with no explanation on the {$80000.00} increase. To stay in my home, I made the payments. I have be transferred to 10 account managers in the process, all unable to find documents I had sent many times over. 
My husbands passing, XXXX, gave me the ability to collect social security benefits on my children. This income made it possible to pay the $ XXXX   monthly mortgage payment, otherwise unaffordable. Chapter XXXX was paid in full in the year XXXX. I made payments to Fay Servicing through XX/XX/XXXX. I was unable to afford the {$2100.00} payment each month on a income of {$2000.00} per month. Social Security stopped after my childrens graduation and I was forced to leave the home and live with family. Foreclosure was imminent and I gave up the keys. 
Fay Servicing holds the houses worth at over {$320000.00} not allowing me to sell the home at a reasonable price. This house has been on the market for 7 months without an offer. Fay Servicings service has caused my otherwise very strong credit scores to suffer, making me ineligible to finance a residence for myself. 

Fay Servicing only shows up on one of my three credit scores and there is no reasonable cause for my loan modification to increase by XXXX with the money I had already put towards the home. At the time, though suspicious, it seemed this was the only way to stay in my home. 

I would like to know why there was an {$80000.00} increase, my home to be sold at a reasonable rate, and most importantly my credit score to be edited to reflect Fay ServicingXXXX errors, allowing me to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA ( Original Creditor : XXXX XXXX ) HAS BEEN FRAUDULENTLY REPORTING ON MY PERSONAL CREDIT REPORT. THIS BATTLE HAS BEEN GOING ON FOR ALMOST A YEAR NOW. I HAVE SENT DEBT VALIDATION TO THEM DIRECTLY AND THEY HAVE NOT LAWFULLY PROVIDED BONAFIDE PROOF OF THIS COLLECTION. I KNOW IT IS NOT MINE. I HAVE SENT CERTIFIED MAIL TO THE XXXX XXXX, XXXX AND XXXX ABOUT THE SAME. I AM GOING TO SUE BECAUSE IT SEEMS THEY CAN VIOLATE CONSUMERS AND NO REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!

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 2017-06-08
Company: CITIBANK, N.A.
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 tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.

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 2022-08-04
Company: EQUIFAX, INC.
State: FL
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 have attached 2 FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation