BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I spoke to bank of America about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

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 2022-03-22
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After I made a payment to Loancare, my mortgage company, for the XX/XX/XXXX payment, I decided to set my account up on their automatic payment system, so it would never be late. I am always careful about getting my mortgage paid and thought automatic payments the best way to stay on top of payments. So in XX/XX/XXXX, I set it up on Loancare 's auto payment system. I thought it would begin immediately for the next month payment of XX/XX/XXXX, but I found out otherwise when I got a late notice from Loancare. This was simply a lack of knowledge on my part, that the auto pay would not kick in for over 45 days. When I called, Loancare told me it would not start the auto pay until XX/XX/XXXX. So I immediately paid the XXXX XXXXpayment within the XXXX XXXX day period. This was during the Covid 19 pandemic, when everyone, includng my son, had lost their jobs. The payment was less than 2 weeks late, and yet it has effected my credit score negatively, because they reported it to all 3 credit bureau 's. I humbly request that you remove the negative reporting sent to all 3 credit companies, on this simple delayed payment, under the terms of the Covid 19 Pandemic.

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 2015-07-15
Company: Orions Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The number XXXX keeps calling my employer trying to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied collection service has been contacting me regarding an {$1600.00} XXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as XXXX XXXX XXXX. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXX XXXX  and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.

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 2020-12-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX, Equifax, and XXXX. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: WATERSTONE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Regional Management Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just checked my credit report - listed is late payments for regional loans andcredit recovery asso. - this is not my accounts. - Regional loans send out XXXX of thosechecks for loans letters however I did not get it my daughter ( with the samename did ) She went and got the loan - and I find out later when she missed apayment - the loan was based off my credit with my social security number. 
I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. 
They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. 
I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
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:
I spoke to XXXX XXXX XXXX  about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

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 2016-02-13
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called about inquiries on my credit report from Transunion XXXX 2016 and before, and they are not wanting to remove those inquiries off 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 explanation
Consumer complaint received 2019-02-06
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. 

American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-01-30
Company: Coastal Financial Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON OR ABOUT XXXX XXXX, I MADE AN AUTO PAYMENT WITH THE CURRENT COMPANY. APPROXIMATELY 2 WEEKS LATER, I MADE XXXX AUTO PAYMENT. I CHECK MY SCORES EVERY DAY AND NOTICED NO CHANGES. I THEN NOTIFIED THE COMPANY ABOUT GIVING ME CREDIT FOR EARLY CREDIT. I WAS THEN TOLD THAT THEIR COMPANY REPORTS TO EACH CREDIT AGENCIES A FEW DAYS AFTER THE DUE DATE OF EACH MONTH. AS OF XX/XX/2020 I HAVE STILL NOT SEEN A CHANGE IN MY CREDIT FROM ALL 3 CREDIT AGENCYS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A dispute was submitted to Experian concerning XXXX accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for the month XXXX and XXXX which should not be there. The car was paid in full XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full. 

XXXX XXXX XXXX was a previous collection account that was closed and removed from my credit report in XXXX XXXX. A notification was not sent to Experian which prevented the account from being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Had disputed balance with XXXX Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. XXXX neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, XXXX failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to XXXX regarding this matter and his letter has similarly been ignored, no reply or response

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 2022-04-15
Company: EQUIFAX, 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 the following companies HAS VIOLATED MY RIGHTS .... 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice, for a total of {$1000.00}. 
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16, I faxed this written statement to the number provided. On XXXX/XXXX/16, I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement, just in case, and did so on XXXX/XXXX/16. 
On XXXX/XXXX/16, I contacted customer service again, as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16, if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes, I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E, which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint, regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor, XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account, which to date, I do not.

Company response to consumer: Closed with explanation