BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I never had a problem paying my mortgage payments and had received a loan modification from XXXX XXXX XXXX. However, when my loan was transferred to Specialized Loan Servicing, my mortgage was in limbo for six months and I could not make my payments. This caused my loan to become delinquent and SLS is unwilling to work with me to fix my mortgage issues. After XXXX gave me a modification a few years ago, I made my payment on time for three years. Then out of the blue, XXXX transferred my loan, but they could not tell me where it went. I finally received a mortgage statement from SLS six months after the transfer, but when I contacted them and tried to pay, they had added foreclosure and late fees and I could not make the entire payment. Since that time it has been a nightmare trying to get them to unwind the foreclosure and get my loan back to a current status. There is a sale date on my property and I may lose my home through foreclosure on XX/XX/2019. I should have never become delinquent on my mortgage in the first place, but I was advised to stop making payments on my mortgage when I was with XXXX so that they would work with me. I should have never followed their advice, since my mortgage balance had gone up significantly. After six months of working with their Loss Mitigation Department, they gave me a modification that I could afford and I was happily making my mortgage payments. However, when I tried to make a payment one day, I just got a recording stating that my loan was going to be transferred. When I spoke with their representatives, they had no idea where my loan went. I tried to get things sorted out with SLS and perhaps get another loan modification, but after a very long time of dealing with SLS, they said I already had my loan modified and there was nothing they would do. This is very unfair as I never have had a problem paying the mortgage for many, many years and now they are going to take my home away. Please help me with SLS and save my home.

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 2023-02-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: STATE FARM BANK, FSB
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CONTRACT CALLERS INC
State: AL
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 saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.

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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My income has been much lower this year due to the nature of my job. I am a XXXX XXXXXXXX. I have tried twice to get help with Bank of America. The first time the rep offered a higher payment then I already had, the second she tried to Push me into a debt management company. 


When I declined the rep said I really needed to make payments and offered no other solutions except payment my bill or enrolling in a 60 month program. Every other company has offered a reduced monthly payment till I catch back up.

Please look into Bank of America and their practices. They should offer more solutions besides a debt management non affiliated 3rd 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 2021-01-15
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Waypoint Resource Group, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX co behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to XXXX on XX/XX/2023 I Disputed the debt with XXXX and they did not provide a clear response to the dispute. I contacted Waypoint and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the XXXX report I reported again to XXXX and XXXX the error Waypoint finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and XXXX is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.

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 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I receive Government benefits, on XX/XX/XXXX I withdrawal {$300.00} from my actual Bank ATM, XXXX XXXX XXXX XXXX. I was distracted and did not pull my funds from machine in time. Next day waited for bank to have money returned. XXXX XXXX XXXX XXXX wasnt scheduled to audit until Thursday XX/XX/2021, meanwhile they directed me to file claim with Bank of America so that once they receive claim they could refund funds to my account. So I called Bank of America, explained the same above. Received claim number, called to check my balance, which was {$160.00}, was hoping {$300.00} was returned as well. Called few hours later and it stated my card was closed. Spoke to several representatives, XXXX, XXXX, XXXX, XXXX, and XXXX the that hung up on me after I ask to speak to someone over her. Its now day 5 and I explained my hardship of not even being able to buy food nor my medications. Finger pointing for days, which I complied with all suggestions. Spoke to XXXX EDD nothing wrong on their end, verified my identity, sent to Bank of America, my card is Closed/Frozen/Hold/Freeze/temporaryhold. I need my money to survive. My card was not reported stolen, never have I had a problem. The reason for my call was a error done by me, and they froze the remaining funds I had access to, and I am counted amongst XXXX XXXX others cards that are frozen. I am verified, spoke with XXXX and XXXX XXXX let me know they are in fact over by {$300.00}, wanted to give it back but didnt want double jeopardy. So I am in a deeper hardship and Bank of America representative XXXX, hung up on me. My card should have never been frozen. I need my funds. Spoke to so many for 5 days, and I seem to be just XXXX XXXX with the same problem. I need food, medication and low stress levels. I have complied, unfreeze my card.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2021-01-16
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING CREDITOR IS BEING REPORTED BY EQUIFAX ILLEGALLY AGAINST MY RIGHTS AND FCRA. 

CREDITOR : XXXX - ACCOUNT DOES NOT BELONG TO ME. 
ALL CARD DETAILS ARE FALSE. BY LOOKING AT THE TRADELINE, DATES, PAYMENT HISTORY, BALANCE, IT TAKES COMMON-SENSE TO NOTICE THIS IS NOT A VALID ACCOUNT. 

XXXX Account Status Closed Account Type Revolving Account Type Detail Revolving Account Balance {$4900.00} Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$4900.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due {$4900.00} Payment Status Collection/Chargeoff Comments Consumer dispute following resolution. Charged off account. Account closed by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: ID Analytics, 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:
I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX SS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My unfortunate experience was related to a fraudulent scheme involving " pig butchering ''. When I attempted to make a withdrawal, the scammers demanded a tax payment. Regrettably, I was deceived into depositing my funds onto a server engaged in cryptocurrency mining. 

I initially encountered these scammers on XXXX, and the primary mode of communication with them was via XXXX. They managed to persuade me to invest my money in an exchange with the promise of generating profits. 

During several transactions conducted between XXXX and XX/XX/2022, I deposited my funds. However, when I sought to withdraw my funds I was unexpectedly required to pay a substantial additional fee. Despite my numerous attempts to seek clarification and retrieve my funds by reaching out to them, my inquiries were met with silence.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for loan with USAA ; was denied loan XX/XX/2023 because of XXXX score 1 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; 2 ) Too many inquiries in last 12 months ; 3 ) Time since most recent account opening is too short ; 4 ) Amount owed on revolving accounts is too high ; After paying off debt to less than 31 % and increasing credit score to XXXX ; reapplied XX/XX/2023 and was immediately denied again. Letter stated : XXXX ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high -- at 30 % ; 2 ) Too many inquiries in last 12 months -- curently 4 ; 3 ) Time since most recent account opening is too short -- -over 12 months ; 4 ) Amount owed on revolving accounts is too high ; 30 % Called USAA loan service XXXX XXXX XXXX to get clarity on denial and the rep stated I must call XXXX because they are the reason for the denial and nothing more. She stated could be because I already have a unsecured loan ( never late ) or credit card balance - I stated that is not labeled anywhere you can't apply if you already have an outstanding loan ; didn't know what credit score was acceptable or number of inquiries were acceptable ; Credit cards are {$0.00} with USAA and stated that could also be reason for denial. Stated it was based on XXXX credit report. I stated without basic qualifications or even a credit score, how can you know if a person is qualified as XXXX just provides the information you use to review to make a decision. Feel this is discrimination if you can't provide details on why my loan was not approved and someone else was.. still waiting on call back from resolution team.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation