BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX CFPB : Bank of America/LaSalle Bank claims that my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, was Securitized into RMBS, including, but not limited to, AFC Mortgage Loan Asset Backed Certificates Series XXXX ( XXXX, XXXX XXXX and XXXX XXXX Series XXXX ( XXXX, XXXX XXXX, that it, BofA/LaSalle, is the Trustee for all such RMBS, but refuses to supply me details. 
Please have e-mailed to me, for my ARM Loan, the Names and Start and Termination Dates of all the RMBS into which my ARM Note was securitized, along with the names, contact information, number of shares, percentage of shares, and periods of time of ownership of such shares, of all the Certificateholders of said RMBS. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-11-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Have a report in all XXXX agencies that i have a credit line of {$4200.00} with XXXX balance opened XXXX 2005. I have called them and they do not seem to have a file on under my name and they told me to dispute it with the credit bureau but they did nothing. I have XXXX names which i manage to fix XXXX agencies ( XXXX ) but not the others. Also i have XXXX Hard check in a very short time expand and do not recognize must of them. Hopefully this can be resolve. I am working hard on establishing credit and fix the errors but the Credit bureaus are not doing anything. Thank You for your help.

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 2016-10-31
Company: Financial Credit Service, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I filed a report with the FTC XX/XX/2021 ( FTC Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with Experian ( tracking # XXXX ), XXXX ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than 30 days and they have completely ignored my letters.

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 2021-11-23
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I had a medical bill that became delinquent it was giving to I C systems

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing my XXXX credit report, I noticed that Quicken Loans made a credit inquiry on XX/XX/2021 without my explicit or written consent. I was researching the mortgage rate during that time and fill up their online form to get an idea of the generic ballpark rate. Their online form didn't clearly disclosed that they will run my credit if I fill-up the form, nor have I given any explicit permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery A is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letter head and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was scheduled to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in English. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, Transunion, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am XXXX I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX and the stress these companies have caused me have effected my XXXX, I 've spent large amounts of money sending certified and expedited mail the last XXXX months with no results. Thank youXXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company called me for a person that I do not know and have never heard of. I called them back and told them that they have the wrong phone number, and they told me that they would take my phone number out of their system. I received a second call for the same person. I called back again and the woman told me " you don't need to keep calling, we took your number out of the system ''. I pointed out that they had called me after I was told that my phone number was removed. She hung up on me. I called again and asked to speak to someone in supervision and she rudely reiterated that they had taken my number out of their system. I told her that I was going to make a complaint against her company with the CFPB and my State Attorney General office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Paypal Holdings, Inc
State: FL
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 paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: I.C. System, Inc.
State: TX
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:
I C Systems Inc. claimed I owe a debt. I sent them a Creditor Vailidation Letter XXXX XXXX, 2015. I waited the 30 days to hear back from them according to the Fair Debt Collection Practice Act. I have not herd back from them. ALso, I asked them to show that I C Systems Inc is incompliance with the State of Texas Debt Collections Laws thewy have not been able to show me that either. This debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher credit score.

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 2015-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They 're are XXXX accounts in collections on my Trans union credit report none are mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On TXXXX XX/XX/2021 at XXXX, and on another occasion I cant recall because the call list on my phone has erased due to so many spam calls, I asked the scam company to stop calling. I have a XXXX phone that has the app called XXXX XXXX that tells me the number they are calling from is a scam. The company is called AFNI and they call everyday, sometimes XXXX times a day. I want them to stop calling and harassing me when I have told them at least XXXX never to call me again. Please make these scammers stop the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I CONTACTED TOYOTA FINANCIAL SERVICE AT XXXX TODAY ON XX/XX/2020. I REACHED A TOTAL OF THREE TOYOTA CALL AGENTS, TWO HUNG UP ON ME AND THE THIRD WAS ABLE TO FIND A MANAGER WHEN THE SECOND AGENT I CALLED STATED THE MANAGER WAS OUT OF THE OFFICE. MY REASON FOR CALLING TOYOTA FINANCES WAS TO SET UP A RE ACCURING PAYMENT OF {$390.00}. WHILE SEARCHING ONLINE ON THEIR WESITE I FOUND THAT SINCE I LAST SPOKE WITH TOYOTA FINANCIAL THEY NEVER CLEARED MY STATEMET OF {$700.00} SHOWING THAT I HAVE AN OUTSTANDING BALANCE. I OVER PAID IN FEBUARY TO COVER THE LATE CHARGES, WHICH TOYOTA ADMITED TO ME THAT THEY MADE A MISTAKE WITH WHAT DATE TO TAKE MONEY FROM MY ACCOUNT. BEFORE TOYOTA WAS CONTINUING TO ATTEMPT TO TAKE MONEY OUT OF MY ACCOUNT OF THE XXXX OF EVERY MONTH WHEN I POSTED ON THEIR SITE TO CHARGE ME ON THE XXXX. SO SINCE WHEN TOYOTA TRIED TO TAKE MONEY OUT, MY BANK DECLINED THEIR REQUEST AND NOW WITH TOYOTA IT STATES THAT I AM NOT TO BE TRUSTED TO PAY BY BANK WITH THEIR AUTOMATIC PAY. THIS IS SOMETHING THAT TOYOTA MADE THE PROBLEM A LOT BIGGER. NOW I CAN NOT PAY MY REMAINDING BALANCE AND TOYOTA IS GIVING ME THE RUN AROUND ON WHO TO SPEAK TO AND WHAT THEY CLAIM I CAN DO. I AM ALMOST DONE MAKING PAYMENTS ON MY VEHICLE AND SINCE MY AMOUNT HAS GONE DOWN THEY'VE MADE THINGS DIFFICULT FOR ME TO PAY. I HAVE STATEMENTS WHERE THEY CHARGED ME DOUBLE AND STIL SHOWING I OWE THEM.

Company response to consumer: Closed with explanation