BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: American Heritage Capital, LP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is reporting a collection on my credit file and its not my collection the collection is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I filed a dispute demanding to verify or remove the accounts immediately from my report. I did not get a response or was notified of any investigation results or procedures that were taken place. After 30 days past, On XX/XX/XXXX 2 accounts from the department of XXXX were removed from my credit report as well as 4 Accounts from the US Dept Of Education was also removed from credit report. XX/XX/XXXX XXXX reported and added back 3 accounts of the US department of education to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Public record information inaccurate

Complaint:
I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.

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 2017-08-11
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a loan with XXXX ( Monterey Financial Services Inc. ) to the tune of {$3500.00}. They are charging me a 39 % interest rate. Im XXXX XXXX XXXX and unemployed, I have tried to negotiate payment plans and a different amount. I can not afford to pay them so I told them to please send me to collections ( multiple times. ) They will not stop calling me and now they are calling my mother ( whom is not even associated with the account ). They are harassing me and telling me that I need to give them my attorneys name and number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : This is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has verified that the accounts they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and incomplete, and represents a serious error in your reporting should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-07-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Credit Bureau has been contacted via email disputes, written and certified receipt to correct specific data reporting inaccurately on my clients personal credit report. The lending agency has verified directly with us that the account is CURRENT and PAID AS AGREED and CLOSED. See attachment. 
EXPERIAN has confirmed the data was finally updated and corrected on my clients credit report as of XX/XX/XXXX. See Attachment. 
As of XX/XX/XXXX XXXX denied credit based on EXPERIANS credit report pulled today and several other creditors over past 60 days. Accurate and current credit reports are not being provided to the lenders. Conflicting Credit Reports are being provided to the Consumer that do not match the data being reported to the lender. In this case, one of the lender 's is XXXX XXXX ID App XXXX. 
The Credit Score I received today for Experian is XXXX ; XXXX XXXX ; XXXX XXXX. The Creditor 's Scores are substantially less and not the same credit file. ( see attached scores ) The willfully negligent information provided by EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT and punishable by fines and punitive damages to my client. We expect inaccurate information highlighted on the attach Credit Report to be provided to all Lenders Credit Report 's pulled within the last 30 days. Specifically we demand XXXX XXXX be provided a current and accurate report no later than three business days in order to prevent additional punitive damages to be filled with a law site with The KY STATE ATTTORNEY OFFICE. 
our file. See XXXX Credit decline letters attached and the incorrect Credit Report pulled by the lender ( XXXX XXXX ). 
Either the Credit Bureaus are reporting incorrect reports to Creditors or the Creditors are pulling incorrect reports. This negligence is NOT LAWFUL and will not be tolerated by consumers. Credit REPORTING Agency need to be held accountable for their negligent actions and willful misconduct towards the Fair Credit Reporting Act.

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 2022-01-23
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover Card has been setup on a payment plan and balance has been agreed upon for settlement. Discover card has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received collections notifications from XXXX XXXX services on multiple occasions. I am not aware or do not owe any amount of debt. I have Florida State XXXX and all payments were completed by the state. I am an indigent patient and I have contacted the collections agency on numerous occasions by mail. I am still repeatedly harassed by agents. These issues still exist and I am still getting notified. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$560.00}, {$770.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1800.00}, 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 2022-07-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX i closed two accounts with the company synchrony bank, for XXXX XXXX XXXX. They continued to bill me and charge late fees. I spoke with several repreresentatives and informed them i was willing to pay the actual balance owed minus all the late fees from the date Id closed the accounts. They declined. On XX/XX/XXXX a representative from synchrony debt collector impersonated a law enforcement/govt official at an acquaintances home thinking it was my address, and tried to serve me demanding my location and threatening i have an impending lawsuit. The homeowner advised them i have not nor have ever lived at the address. They continued to try to press the homeowner for information with a packet of paper to say i was to be served. This is in clear violation of the FDCPA, in addition to revealing personal information to a non privileged party.

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 2022-01-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/22, I XXXX XXXX a consumer checked my consumer report and notice that a collection account ( XXXX XXXX, XXXX ) was added to my consumer file claiming that consumer owes an alleged debt. As a result of this notice I am a victim of Identity Theft, or my identification or financial information has been used or transferred or has been alleged to have been used or transferred without my authority or without my consent. This is a violation under Federal law pursuant to 15 USC 1681g ( 11 ). 
I have attached my identity theft report and supporting documents and will file a complaint to XXXX XXXX XXXX, registered agent XXXX XXXX XXXX XXXX for corporation for Identity Theft and unfair debt collection practices under the FDCPA ( Fair Debt Collection Practices Act ). I am demanding a removal or deletion from my consumer file and consumer report IMMEDIATELY or all parties involved will be held liable under Federal laws pursuant to 15 USC 1692k- Civil Liability, Pursuant to 15 USC 1611- Criminal Liability for willful and knowing violation, Pursuant to 15 USC 1681n- Civil Liability for willful noncompliance and Pursuant to 15 USC 1681o- Civil Liability for Negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Exeter Finance Corp.
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:
I never authorized this inquiry. Never heard of the company. Never gave a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.

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 2017-08-11
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX  XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a second mortgage on my home and went through a bankruptcy in XXXX. BofA then bought that loan which was no longer being paid. When I sold my house in XXXX, the sale could not complete because of the lien for that loan. BofA would not work with the title company and requested an authorization to be signed, which I did on XX/XX/XXXX, along with calling BofA myself. I gave the representative my account number ( XXXX ). She could not find any record of that account number. Finally, she used my SSN and found that I had an account, but that it had to closed because it had been written off ( for taxes, she explained ) so that there was no account to collect on. So then we started down the path of trying to get lien released so the deed could be transferred to the new owners. My closing was XXXX and since they couldn't process that quickly, an escrow was created to allow the sale to proceed. After repeated inquiries by the title agency, a confirmation number XXXX was given on XXXX with the promise of resolution in 10 business days. On XX/XX/XXXX BofA indicated the lien release request had been cancelled and that a balance was due- but would not provide that amount. After numerous contact attempts again by the title company, BofA provided reference # XXXX and again said there would be resolution in 10 business days. On XXXX the title company notified me that they were continuing to try to resolve the issue with BofA but that the Bankruptcy, Payoff, and Recovery division and the Charge-Off division kept redirecting to the other without resolution. On XXXX, BofA finally sent a payoff amount. 

Given the answer given to me by the first representative that I spoke with, that she was answering questions based on actually documents she was looking at as we spoke ( not postulating possibilities ), and the time it took to get a simple payoff requiring the involvement of their payoff division, I believe BofA illegally demanded payment for a written-off debt, using the lien as leverage.

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