BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-11
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
I sent a XXXX Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX # XXXX. I sent a request for, method of Verification under the Fcra, section XXXX ( a ) ( XXXX ) and ( XXXX ) after 15 day I never recived anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information 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 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.

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 2022-05-21
Company: Advanced Resolution Services 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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements XXXX XXXX Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Requested a payoff quote from Ocwen loan servicing. The document had almost {$22000.00} in XXXX fees, bill padding and unnecessary charges. 
EXAMPLE ; {$440.00} for " Mailing fees '' EXAMPLE ; " Foreclosure fee '', " Foreclosure expense '', " Foreclosure cost '' EXAMPLE ; " {$7800.00} for 'legal filing service ' '' Calls to the company have been met with stall tactics and refusals to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a trial modification starting XX/XX/2016 to XX/XX/2016. After that Ocwen promised to send a final modification and it never came. When I called they had sent to a different address even though I told them to send to my home address. Now when I call, only XXXX Ocwen answers and I can not get anyone in US Ocwen to answer. Please help I made all three payments they should 've provided me the modification to my house now they are foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: First Associates Loan Servicing LLC
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America took over 1 year to deny a loan. They assigned yet another representative on same level as other to assist me. I left a message for his Email to send him further documentation. He has yet to respond. This is why it takes Bank of America over 1 year to make the first level decision. My current representative is XXXX XXXX. Further, Bank of America refuses to allow customers emails for higher level officers.

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 2017-01-19
Company: Navient Solutions, LLC.
State: SC
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 called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX  account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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 2022-05-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
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 continuously try and pay my student loans with Navient.com, but everytime I go online or call to pay my loans it says my balance is {$0.00}. I know I owe at least {$48000.00} approximately. I am getting very frustrated trying to pay when I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
I sent a Certified Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts .XXXX  XXXX Acc #  XXXX, XXXX  ACC # XXXX and XXXX XXXX XXXX ACC XXXX and XXXX Acc # XXXX. I sent a request for, method of Verification under the Fcra, section 611 ( a ) ( 6 ) and ( 7 ) after 15 day I never recived anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.

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 2022-05-21
Company: EQUIFAX, INC.
State: VA
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 accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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