BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
RE : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) Compliant against Bank of America We received a misleading letter from Bank of America on XX/XX/2023. Bank of America has engaged in Unfair practices by allowing Bank of America bank branches located in middle- and upper-income census tracts in majority white neighborhoods to stay open to serve their community. 

Example : XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday XXXX to XXXX ; Located in an upper income census tract ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX XXXX XXXX and Saturday XXXX to XXXX ; Located in a moderate-income census tract ; XXXXt : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday Closed ; Located in a low-income census tract ; XXXX  : XXXX Conclusion We appreciate this opportunity to file this complaint against Bank of America and would look forward to discussing a plan for Southern XXXX and be a leader in addressing inequality in 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 2022-11-06
Company: EQUIFAX, INC.
State: PA
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 been violated by XXXX, Equifax, and XXXX XXXX. According to Federal Law 15 USC 1681 ( a ). Exclusions ( a ) consumer report does not include a report containing information solely as to transactional experiences between the consumer and the person making the report. It is illegal to report any derogatory remarks to a credit report. I have multiple late payments, and closed accounts on my credit. These derogatory remarks is hurting my report; and causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Mr. Cooper Group Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore Loan Management, that my loan was being switched to their servicing division, Rushmore XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 
Why am I being penalized for an arbitrary change the company made? Is this a way to detract from the credit worthiness of its mortgagees? How do I get credit for my loan being in good standing? 
This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 
Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. I shouldn't have to be downgraded for an accounting change made by this company. 
Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After Hurricane Irma, in XXXX of XXXX, I called Nationstar which later became Mr. Cooper : XXXX Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX I was told about their forbearance program and they agreed to put me on the program and any missed payments would not be reported to the credit bureaus. I missed payment for the month of XXXX and XXXX and in XXXX of XXXX, I made both payments and was caught up. They reported it to the bureaus and when I called to dispute it earlier this month I asked for a case dispute to be opened ( it was not, I was ignored ). I called to check the status 3 weeks ago and had to open another from scratch. They said I never showed up on their forbearance program. I am now trying to refinance because of a divorce agreement and am on a tight deadline. The port of 60 days is not allowing me to refinance and will lose the Condo because I can not come up with the money. Selling is not an option. Please help me as i am desperate and the lender does not acknowledge they mislead me into believing my credit would not be harmed. I have never in all the years I have owned have I been late on a payment. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please.Read the attached. This is a letter that explains everything it was sent to XXXX XXXX and COLUMBIA DEBT RECOVERY. During this dispute over {$1000.00} has been eliminated due to being unproven. 
A payment was made to XXXX XXXX  in XX/XX/XXXX about XXXXdays after i moved out XX/XX/XXXX. The apartments are saying they didnt get the payment but i showed proof. The collections agency and the apartments both refuse to accept my proof of payment even though it shows the amount paid {$1900.00}, date XX/XX/XXXX, who it was sent to XXXX  Receiver Code XXXX, how much was old after payment was made {$0.00}, it even shows my name XXXX. The apartments requested I go back to XXXX and request another receipt from XX/XX/XXXX. They say it's unclear which is false, they are striving to not continue to fix their inaccurate information and take money from me. I went to XXXX with the information you all provided me, the cashier put in XXXX 's reviever code, located the company account and I paid CASH to them and got the attached receipt. I am not responsible for the account/relationship between XXXX and XXXX XXXX. 
I asked the collections company to NOT put debt on my credit while in dispute as of XX/XX/XXXX they did anyway. XXXX told me they wouldn't send the acct to collections and the collections agency told me they wouldn't report it, once we resolved the dispute I could set up a payment plan which will keep it from my credit. Both Lied!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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 2022-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I enrolled within a COVID-19 forbearance plan offered by my lender. The program was 18 months in total, which I was in monthly communications with both my lender and the 3rd party servicing company which serviced the forbearance plan. I followed all rules and regulations communicated to me via phone conversations and online instructions. Upon completion of the 18-month forbearance, I was instructed to make payments directly to the loss mitigation department, of which I have completed 4 transactions to date. All payments were applied and withdrawn from my corresponding checking account. 

I am still waiting for my paperwork, as I have only received payment confirmations via US mail. Per the guidelines set forth in the program, I should not receive any derogatory impact to my credit. Upon a monitoring alert and subsequent inquiry, I was indeed reported late ( 120+ days ) by my lender. I immediately informed the loss mitigation department upon discovery, where a dispute was then filed. I followed all verbal instructions given by the representative, who also had to make appropriate adjustments within my file to reflect the payment transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
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 XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Resurgent Capital Services L.P.
State: CA
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:
Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person. 
identity theft. send original signature document with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I was reviewing a copy of free annual my credit report & discovered I was victim of identity theft. Portfolio Recovery a debt collection agency for XXXX XXXX are reporting that I owe {$1700.00} to all 3 Credit Bureaus. However, I never opened an authorized account with XXXX  account. As a result I've mailed all 3 credit bureaus a letter informing them about this fraudulent account and that it is not mines along with a copy of my police report number & the detective I spoke with. And they are still reporting this fraudulent account on my credit report and all I am requesting is that this fraudulent account be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a XXXX XXXX creditor in which was reopened by a collection agency by the name of LVNY FUNDING LLC . I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted XXXX XXXX stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer 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 2020-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
Inquiry from XXXX  XXXX XXXX on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.

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 2022-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid off one of my loans with XXXX in the amount of XXXX. I submitted an online dispute multiple times and my results I get back is updated with the same amount. I have sent proof of payment to Equifax and confirmation number to XXXX and they all denying the fact that I made this payment to have this balance removed from my credit report. I dont know who they are contacting to verify my payment but its not XXXX. Ive called XXXX and they havent received any request from the credit companies about my account. I need this resolved because the minute Im on any payments there is an instinct update but the minute I pay off a loan they are clueless and dont want to update the correct information Im stating and sharing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
i had two mortgages with bank of america that were transfered in XXXX banks are not supposed to report payment issues during the transfer because it is being transferred. we actually got a check back from bank of america as the loan was being transferred. very suspicious that my loan goes into delinqunecy on the month it is transferred. that is not supposed to happen

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX CPS 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