BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Convergent XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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

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 2015-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been paying for an insurance policy with Bank of America credit card in case I was hospitalized or lost my job the amount owed would be dismissed. I lost me job and unemployment was not enough to pay all of my bills including rent. I filled out all of the necessary paper work and submitted them. The policy was not honored at all. I have received threatening calls and they have called everyone that I know, church, friends, neighbors and relatives harassing them as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: WA
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 agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.

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 2016-08-22
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: VA
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020

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 2015-07-07
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion refuses to correct or to add the following comments to my credit 
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX.  No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19
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:
I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the XXXX credit bureaus, XXXX, Equifax and XXXX. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have private student loans through Navient ( formerly XXXX ), which are set up for automatic monthly payment. Enrollment in automatic payments affords me a 0.25 percent reduction in my interest rate. 
Last month, with no notice provided to me, Navient placed my loans on an in-school deferment, which cancelled my automatic payment and accordingly raised my interest rate by 0.25 percent. I enrolled in a part-time online course a few months earlier, and was unaware that the school had contacted Navient and that my part-time status was sufficient for a deferment. I learned this information during a call with Navient XX/XX/XXXX after I noticed that my payment for XX/XX/XXXX was not automatically processed as usual. 
Following two calls, Navient proposed as a solution that we shorten my deferment. I noted that this would result in me being charged 0.25 percent in excess interest charges for the two billing months the deferment was erroneously in place. After speaking to a supervisor, Navient agreed to remove the deferment from my account altogether and credit me the two months of excess interest charges that would have accrued during the deferment. 
Assuming the cancellation and excess interest credit are processed as agreed, I will be pleased with this solution to my problem. However, Navient 's procedure to put loans on in-school deferment without requesting this from or notifying borrowers is troubling, particularly because it can result in extra costs for the borrower. I 'm hopeful that CFPB can pressure Navient and other lenders to change this practice. It appears to me that this was the very sort of behavior that led XXXX to feel it had to burnish its image and change its name to Navient in the first place. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: OpenRoad Lending
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Alorica Inc.
State: ME
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.

Company response to consumer: Closed with explanation