BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-20
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: 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 ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} / XX/XX/2022

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 2022-04-20
Company: EQUIFAX, INC.
State: PA
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 accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer 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 USC 1681a-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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit and saw there were XXXX hard inquiries made by XXXX. I have not applied, contacted or requested anything from XXXX and recently my identity was stolen so this must be the case for these inquiries as well. 
On XXXX I did process a dispute with XXXX regarding the hard inquiry, and tried contacting XXXX. XXXX indicated they did not see anything on their end so that is concerning too. 
Attached is a screenshot from my XXXX XXXX credit report showing the XXXX inquiries I did not make.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: DC
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

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 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I deposited a check from a fraudulent company/ job scam and deposited the check into Bank of America and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.

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 2019-02-16
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN  and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Navient Solutions, LLC.
State: PA
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 had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/2020 from EOS CCA about a debt in the amount of {$2400.00} from XXXX XXXX. This account was closed and charged off 3 years ago. I no longer owe this debt. I have contacted them to provide documentation of this debt from the original creditor and have not been provided the detailed documentation of this debt so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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 # 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 explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MS
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, has violated my rights.

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

15 U.S.C 1681 section 604A 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 explanation
Consumer complaint received 2017-07-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In early XXXX of this year, I made an offer on a home and it was accepted. I worked with a loan officer named XXXX XXXX with Guaranteed Mortgage to obtain a mortgage for the house. The process was touch and go despite me being pre-qualified. XXXX had called and informed me that in order to get the home moan, I would need to ask my boss for a raise from $ XXXX to $ XXXX. I clarified with her that I needed assurance that it would work if I were to ask, and the home loan would be obtained. I also was informed that at the juncture of this communication, I could still get my XXXX back if I withdrew from the deal. XXXX called me back a little while later and informed me that she talked with the powers at be, and that I would be able to secure the loan. I asked my boss for the raise, he was kind enough to give it to me, and I continued cooperating with XXXX and guaranteed mortgage. Then less than a week before I was supposed to close on the house XXXX informed me that it wouldn't work despite entering into a verbal contract with me. At this point I was moving out of my rental, and instead of paying for lodging for a week, I was effectively homeless. I was later able to secure a loan through a different company, but because of XXXX and Guaranteed Mortgage 's deplorable malpractice, breech of contract, and what I believe to be discrimination, I had to pay for am additional month of lodging, eating out instead of cooking at home, and very narrowly avoided losing the opportunity to be a homeowner. I had a lawyer serve them with a specific performance letter, but they failed to heed that as well. Because of the additional loss of funds and the failure on their part, I think it'd only be fair for them to reimburse me in the amount of {$30000.00} for the previously mentioned expenses and failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-20
Company: Bread Financial Holdings, Inc.
State: MA
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:
Dear Sir/Madam, To the Consumer financials, My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am hereby sending this letter urgently regarding my Comenity Children 's Capital credit card account in XXXX XXXX XXXX XXXX I am here writing this letter to let know that I settled the dispute with XXXX XXXX credit bureau and paid off the balance pending on the card. The transactions were missed due to mail lost or no intimation to make the payments to us and finally ended up with some credit score loss. 
The main problem is Neither XXXX credit agency nor Comenity Bank is taking responsibility or submitting the information to credit bureaus. This is against the federal law. Hence, I am sending this document. 
It is highly urgent for me to get this credit history be removed so it can boost up my credit score. 
With the XXXX credit agency my settlement dispute reference number is XXXX. you may want to confirm the same with the credit agency that we settled the dispute. 
Currently we are undergoing thru some mortgage loan and requesting with this letter that if its possible to erase this incident on my credit history as its impacting my mortgage loan and credit score. 
Please urgently call me at XXXX XXXX XXXX if you have any further questions on the same. 
I am attaching the payoff letter from XXXX XXXX as proof that you can report it to the credit bureaus as paid off. 

Sincerely XXXX XXXX Email XXXX Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.

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