BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed an invalid debt on my credit report with Experian. The collection company alleges I owe a debt and they have not provided proof of the validity of the debt. I attempted to dispute the debt and 12 days after I disputed, Experian notified me stating that the debt has been " updated. '' When I called Experian, i asked them to provide me with the documentation they used in determining the unsatisfactory conclusion. The representative indicated they can not provide me such documentation as it is the creditors responsibility to fill out the form that Experian provides them. Furthermore, the representative stated that the creditor does not have to provide them with proof of the debt. At the conclusion of the call, The representative recommended I contact the creditor directly and ask them to provide me with proof. I stated to the representative that the proof needed from the creditor is impossible for them to provide ( i.e. A lease signed by myself or wife, a statement within the application agreement indicating that we would owe money to them regardless of whether or not we were approved ). She then instructed me to contact an attorney.

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 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a bank of america credit account. 

Bank of America on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 45 points. 
I worked with bank of america to resolve the issue and have then correct it at their end ( I have a letter from Bank of America which confirms the correction ) .However the department within bank of america which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. 

I also worked with XXXX to rectify this error by providing them supporting documentation from the bank but XXXX  needed additional confirmation from bank of america to remove deliquency and bank of america 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- XXXX and bank of america credit reporting department . Bank of america, on each call confirms that from their end the account is current and has never been late however bank of america 's credit reporting department which interacts drectly with the credit bureaus has been providing XXXX  information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which bank of america uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request XXXX  to remove 30 day deliquency attached to my bank of america credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks

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 2016-05-03
Company: FC HoldCo LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.

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 2016-03-31
Company: ERC
State: MO
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:
Paid the debt off, still is showing on my credit report that it is derogatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Reporting Act ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-28
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It has come to my attention that BMW has denied me credit. I the natural person, original creditor, and applicant, am aware that letter I received is a adverse action letter pursuant to 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction with my credit card pursuant to 15 USC 1602 ( L ) making BMW an assignee pursuant to 15 USC 1691a ( e ). I FILLED OUT A CREDIT APPLICATION ( exhibit A ), not a loan application because no financial institution can LOAN money pursuant 12 USC 1431. Furthermore i did NOT receive any benefit from that transaction which has negatively impacted my credit ( exhibit B ). This inquiry from BMW proves the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant with such respect to ANY aspect of a credit transaction as congress states pursuant to 15 USC 1691 ( a ). Lastly, congress no credit card shall be issued except in response to a request or application thereof pursuant to 15 USC 1642. It is shocking to me that BMW Takes pride in their ignorance of consumer protection. Regulation Z, equal credit opportunity act and the fair credit reporting act are all publicly available to relief you of your ignorance. Ignorance of the law is no excuse. As a result of the adverse action i have lost faith and confidence in the public banking system. As it has directly impaired me from exercising my right to extend credit. I DEMAND, that you show me the statements of reason for exactly why is denied credit. Keep in mind that the Fair credit reporting act states that any report containing information solely as to transactions or experiences between the consumer and the person making the report. Communication of that information among persons related by common ownership or affiliated by corporate control ; or communication of other information of other information among persons related by common ownership or affiliated by corporate control. And lastly the a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has added a collection item to my credit for years which h I have tried to remove. However Transunion has been irresponsible not following what the law requires to validate debt and has indiscriminately added a wrongful collection to my credit file which is a violation of NY law and Federal law.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
Hard Inquiries not authorized on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX  ( multiple ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Been disputing this account threw transunion over year & half but keep coming back as verified. The amount owed is far off from collection agency to the original creditor. law is clear account has to be 100 percent accurate and verifiable which its not.

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 2016-12-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.

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 2020-03-04
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX has filed for bankruptcy and sold the mortgage to NewRez. 

NewRez has in turn sent a full page of fees that I never agreed to when I took the loan, including an extra {$3000.00} to pay off the loan in full. 

One of the reasons XXXX declared bankruptcy is that the government received so many complaints about them having made so many exploitative fees. While NewRez 's website for payments is in fact better, their fee structure looks much like XXXX 's before XXXX was hit with so many complaints and had to deal with the government. 

I seek relief from the government from these new and exploitative fees. I did not agree to them and NewRez should offer an alternative of allowing me out of the loan and home ownership if they want to modify the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Monarch Recovery Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ask for Validation from   XXXX   XXXX   because they are reporting a account i am not sure of i was sent a letter stating Account information is not available? i also asked Experian to verify and I would Like Proof As per Se c 605, 609, and 623 n o proof was every provided but replied back that  XXXX   XXXX  Verified account and updated it on  XXXX   XXXX ,  2017   .

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 2020-03-04
Company: Experian Information Solutions Inc.
State: OH
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:
For Experian I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute on XX/XX/2019 under Report Number :  XXXX Date Generated : XX/XX/2019. I disputed the 11 XXXX accounts in question. From those results 10 were updated while 1 was delete. So, I have to ask what info did Experian have documentation wise to remove 1 out of the 11 and still keep the remaining ones? Is Experian actually following the laws. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.

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 2016-09-24
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.

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 2020-03-04
Company: EQUIFAX, INC.
State: TX
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 have a credit monitoring site and was notified that Equifax was reporting a late payment with XXXXXXXX  XXXX however when I pulled the report it indicated that the payment was not more than two payments past due and does not even list when this supposedly happened. I have never been late with this payment and have no idea what Equifax would be the only bureau listing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo is the issue. I payed them completely off and they show a balance still on my report. Its reporting negatively on credit companys. I have asked XXXX  and XXXX XXXX to update its been payed in full and they wont. Wells Fargo is the complete issue and has put marks on my credit from getting loans or increased credit. I have called and written Wells Fargo multiple times and they do nothing. I have talked to banking employees and get the run around. I have talked to corporate and I get excuses and still reporting negative since XX/XX/2021. I payed a old balance and they wont update with reporting agencys correctly and they told me XXXX XXXX they will remove from file completely, but they keep lying and do nothing.

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