BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Bay Equity LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bay Equity -refinanced an existing loan previously held for 10 years with XXXX XXXX  XXXX with notissues. New loan executed with Bay Equity -first servicer was Bay Equitty LLC , XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ). Received notification XX/XX/XXXX changing servicer to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ). 
Another mailing notification went out XX/XX/XXXX that we received the wrong mailing and to disregard and we were staying with the current servicer. Bay Equity LLC. Loan number changed from XXXX to XXXX. 
Received another notification XX/XX/XXXX and then another on XX/XX/XXXX. Each mailing had different instructions on how to make payments. Which I made all three timely. 
Issue I made a payment on XX/XX/XXXX as soon as I had the correct address to send payment to and check cleared, I made another payment XX/XX/XXXX for XXXX payment and check cleared. 
I then made a third payment for XXXX on XXXX XXXX electronically once I finally got access to the account electronically. 
One of my payments was not applied. I would not file this complaint but, I have made so many calls without any response. They do not answer the phone nor call back to the customer service line. I have called numerous times ( XXXX ) and have only made contact once. This is how I finally got the electronic account set up. 
They are showing late payment to my account and check number XXXX cleared my bank on XXXX from my checking account at XXXX XXXX but, not applied to my home loan. I have never had this much difficulty with a company never responding and their website has no other way to contact them but the customer service line they don't answer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX is pathetic to say the least. Ive had a BANK OF AMERICA closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, Bank of America changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XX/XX/XXXX XXXX and XXXX took notice to this unethical behavior and have now deleted this account. XXXX  is the only bureau that wont do their job ethically.

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 2023-11-11
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : Dept of Ed / NELNET Account # : XXXX Account Name : Dept of Ed / NELNET Account # : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning at XXXX I was contacted from phone number XXXX. My XXXX caller ID said it is Bank of America. The woman on the line only identified herself as being from the BofA fraud department. She asked if I had opened an online checking account with them in the last few days. I told them no, and that I have never had a checking account with BofA, but my wife has. I asked them how they know it was my info that was entered, and could they tell me the SS # that was entered for the account. They said they were not allowed to give out that info. I complained that they called me saying they had my info and that it had been compromised, and so I have a right to know what info they have on me to verify if it is accurate. They then hung up.

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 2023-11-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XXXX XXXX XXXX, my home mortgage was transferred from XXXX XXXX to Mr. Cooper. I had elected automatic payments multiple times - online, over the phone. Monthly automatic payments were applied On XX/XX/ I logged into Mr. Cooper ( who has recently been hacked, their site has been degraded since XX/XX/XXXX, I suspect many people 's account information has probably been lost ). My account was displaying a late payment. It was not clear which payment was missed, but I owed 2x my normal monthly payments. I was not alerted at all that : Automatic payments had been discontinued I was late on my payments, as a result of automatic payments having been discontinued Further, Mr. Cooper had removed the bank account I had had on file! I had previously made about half a dozen automatic withdrawals from my checking account. There was no way to make the payment without adding a new bank account. When I checked my alert settings, they do not opt users in to being notified about late or due payments. It seems very mischievous- discontinue the homeowner 's automatic payments, do not alert them about payments when they become late, and then make it difficult for them to pay later on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
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:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2021-02-22
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
There is a fraudulent AMEX/DSNB account reporting on my XXXX XXXX , & XXXX XXXX credit reports. I have mailed several letters by certified mail to the address listed on my credit reports for AMEX/DSNB. Despite mailing AMEX/DSNB several letters to the mailing address listed on my credit reports to advise them regarding the reporting of the fraudulent account, AMEX/DSNB continues reporting the fraudulent account. The account is reporting as follows XXXX AMEX/DSNB, {$600.00}, CLOSED, XX/XX/2014.

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 2021-01-04
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2022-04-26
Company: Experian Information Solutions Inc.
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:
Experian has been reporting a 711 % credit utilization. This has caused a huge drop in my credit score and caused one credit card to reduce my credit line and then close my account. 

I have contacted them several times via message on their website and via phone. I was told they would contact me again in a few days with a solution. 

Two weeks have gone by with no contact, and now my score dropped XXXX points and it is showing as 754 % utilization. 

I believe my utilization is around 40 %. It is not even mathematically possible that I could be using more than 100 % of my available credit. 

This is causing huge damage to my credit score and preventing a refinance application from going through!

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since 1 week ago today Fifth Third has locked me out. I have spent 4-6 hrs./day on phone. As you know, this is the 2nd time. 
What they have done to me, an XXXX, XXXX XXXX woman XXXX XXXX XXXX XXXX XXXX XXXX, this is unconscionable. Only 3 times did I actually get a real person. I even called the fraud dept. number & got through to someone who said it wasnt the fraud dept. All of the times Ive been on the phone my battery ran out. 
My supportive living bldg. wanted me to recertification this wk. & I couldnt provide my banking info. 
Your reviews I read, too many to continue reading, for the most part have the same complaint. I have never seen anything like this & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im done. When this mess is taken care of, Im switching banks. 
They even had my email as one I had 20 yrs. ago. They had my previous bank as 1 I havent banked at in years. 
I DEMAND ACTION NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: STATE FARM BANK, FSB
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am the executor of my parents ' estate. A mortgage on their home in XXXX CT was paid off 5 years ago, but never properly recorded on the deed. Numerous attempts to contact the lender, State Farm Bank, have been fruitless. They do not answer their phones or return calls. I called their corporate office, but can not get through. I have written to the CEO, XXXX XXXX and received no response. The property is currently under agreement for sale and I need to expedite the release of the mortgage. 

Please expedite this request. 

Thank you, XXXX XXXX XXXX MD 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 2021-02-22
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made several attempts, by phone and through the website, to determine why my conventional mortgage payments would go up from {$1100.00} to {$1400.00}. This was in the fall of XXXX. I got no response. Finally, on XX/XX/2020, I sent a message through XXXX. 
In XXXX, I got a call from Freedom Mortgage and the rep didnt really have an answer, but said he would escalate the issue and I would hear from a supervisor. As of today I have heard nothing further. 
I really want my account audited to determine what is going on. A definitive answer. I am very suspicious of the situation and have consistently had issues trying to contact the company. 
The company is Freedom Mortgage, XXXX XXXX XXXX, XXXX IN XXXX. Their phone number is 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. And 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 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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXXXXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute 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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: LA
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
A 1000 dollar check was deposited into my checking account. I had call chase to cancel the check and not process the check but was not able to do anything about it and resulted in me paying double the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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