BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Solomon and Solomon, P.C.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid

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 2016-10-22
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. 
I have never been to this place nor have I ever received a bill from this place or Choice recovery. 
They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. 
I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. 
I would appreciate your prompt attention.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-25
Company: American Credit Acceptance, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: American Coradius International LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2017-04-06
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call. 

The XXXX account numbers are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: WELLS FARGO & COMPANY
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom it may concert, Wells Fargo has been mailing me information about an account that was fraudulently opened without my consent or knowledge. Based on the documents that were addressed to my seven-year old daughter in 2012, I feel certain in saying that she was a victim of fraudulently banking practices by Wells Fargo as well. I called Wells Fargo on Friday, XXXX XXXX and received a case number, a toll-free phone number, as well as the name of the individual my case is being " handled '' by. That information is : Case number : XXXX Phone number : XXXX XXXX Case Worker : XXXX XXXX ( work hours : Monday-Friday XXXX XXXX ) Per your request, I have the original documents regarding these issues and can fax, scan, or email, whichever is a preferred method. Thank you for allowing me to generally bring focus this matter and am looking forward to hearing from you. 

XXXX XXXX XXXX XXXXXXXXXXXX

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: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am absolutely certain that my rights have been violated by Navient on more than one occasion. From the harassing phone calls, to the erroneous late payment notices, practically being forced to go on forbearance in order to try and prevent reporting to the credit bureaus. I would greatly appreciate some help looking into my accounts and history of my relationship with Navient. I am more than confident you will find several occurrences in which they have violated the law. 
I look forward to hearing back from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America is incorrectly reporting derogatory information about a HELOC account that I had with them XX/XX/XXXX. Bank of America is reporting that I had a bankruptcy in XX/XX/XXXX which is NOT TRUE ; furthermore, this loan was never late or behind as proven by Bank of America 's own history of this loan provided to me ; therefore they have no right to report this as a derogatory item. They should be penalized for this because this incorrect reporting is hindering me from securing a loan. I am enclosing a copy of a letter that I sent BOA with detail explanation of the issue and supporting documentation.

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 2016-08-10
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I request a dispute with dtv XXXX service with my discover card my acct.was credited XXXX. never reponded this was 2014 they sent the charge to cbe group for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I saw on my report that they have an address for me of XXXX. I have never lived at or near that address.

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 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about {$9.00} per month. I can freeze and unfreeze my credit reports with XXXX and XXXX for {$3.00} per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, is there any way for me to keep my credit reports from going to Transunion altogether?

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 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Me and another persons information was merged on our reports. I have since fixed my reports on my end, but I dont think the other person fixed thiers. So i am still having her open accounts under my name, and have my information populate under her name. ( Also, security questions i have to answer are almost ALWAYS questions about her information. ) I want to make sure that my information is no longer on this persons credit report, however i have no way to formally dispute the issue since it is not my 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 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX - Account XXXX .... 

This account in incomplete and incorrect. 

Was opened in XXXX and closed in XXXX Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance Is missing its balance history for the duration of the time the account had been open Is missing Payment Data for the duration of the time the account had been open Has erroneous comments added - to this and almost all of my accounts.

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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. 
account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation