BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file.

Company public response: Company 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: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan amount has increased significantly and it shows several loans on my credit like I have taken out XXXX to XXXX loans when I truly have n't. And they also have not tried to work with me as far as some type of income based repayment plan but keep putting me in forbearance and charging me ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-02-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXX for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: AR Resources, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Westlake Services, LLC
State: RI
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: Investigation took more than 30 days

Complaint:
I'm filing a complaint with a auto loan lender named Westlake Financial services, XXXX, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX I've called Westlake which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Rush card have cause my bills to be turned off it 's showing I have no money when I do they wo n't talk to u put u on hold for hours XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a citbank XXXX promotion to receive {$200.00} per their terms once the account was opened, funded, and funds remained in account for a specificed period of time. I funded the account on XX/XX/XXXX and received only {$100.00} of the promised {$200.00} on XX/XX/XXXX. I called citibank to discuss the discrepancy and the customer service member told me that I should have received {$200.00} per the promotion and they would open a dispute to look into it. I received a letter from citibank on XX/XX/XXXX that says they looked into the dispute and I received {$200.00} per the promotion on XX/XX/XXXX. This is not true, as I only received {$100.00} and this is clear based on checking account records. I called again XX/XX/XXXX to discuss and was told that they agree I only received {$100.00} despite what their official letter says, but that I will only be receiving {$100.00} total. This is less than the promotion promised, as well as what I was confirmed on the phone by a representative. I told them that I would be filing a complaint with you and they told me to go ahead.

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 2022-02-27
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Credit management, so I advised the representative to write to my address on the debt the company is trying to collect. Some days later, a letter was received and I file a dispute on credit management asking them to provided verification and appropriate documentation to verify the debt. 

On XX/XX/2022, a received another letter stating that the account I disputed had been reviewed and confirmed in Credit management office without sending any prove of documentation from the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am submitting this complaint on behalf of XXXX XXXX XXXX of Colorado. ( Third party CRA ) We are getting a lot of complaints from our clients regarding their clients being put on trigger lists after they pull credit. So this complaint is against Equifax, XXXX XXXX and XXXX. A lot of these clients have had their borrowers opt out and put their number on the Do Not Call Registry. We understand that it is the credit bureaus selling their information and we believe this to be an unfair practice. Our clients borrowers are getting bombarded with phone calls and emails once their credit is pulled. These borrowers complain to their loan officers who in turn complain to us. It seems to have gotten a lot worse over the last few months. We have guided them in every way possible to help their borrowers avert this from happening but it is ongoing and extremely frustrating for their clients and for our clients. We do not condone this practice or understand how it is legal to sell a borrowers information without their specific permission. We are hoping an investigation can be done regarding this practice and steps be put in place to hopefully end it or at least have a fool proof way of guaranteeing a borrower they will not be placed on these lists. I am available for any discussion on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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: Investigation took more than 30 days

Complaint:
I scheduled direct mortgage payments from my checking account to Fifth Third Bank. They have all of my checking account information, and can access funds directly. Fifth Third Bank neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with Fifth Third bank. Again, Fifth Third NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called 5/3 and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want Fifth Third to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
Fifth Third justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2022-10-07
Company: Experian Information Solutions 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 Account number # XXXXXXXX XXXX Account number # XXXX XXXX XXXX Account numbers # XXXXX, 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 intormation Anv other adverse item of information, other than recoras or 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 know 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 2015-12-17
Company: GOLD KEY CREDIT, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Continued phone calls with refusal to tell me what it is about. They say they sent me letters, but I never received any. I have no idea what creditor or debt they are talking about. They ask if I am XXXX and I say yes, they then ask me to verify personal information ... .my birth date, address, etc. I refuse to give out personal info to a complete stranger who calls me over the phone. I ask them to send me something in writing and they refuse ... ... they say " so your telling me your refusing to comply? I say " how do I know this is not a scam and your just trying to gather my personal info? '' They say " since you are refusing to comply, the phone calls will continue '' and then they hang up on 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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an 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