BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS XXXX XXXX XXXX AGAIN THE LAST TIME THAT I WROTE TO YOU TO MAKE A TWICE COMPLAIN WAS ON XX/XX/2021, SINCE THAT TIME AND MORE BEFORE THIS PROCESS OF LOSS MITIGATION THAT I SEND ALL PAPERS AGAIN THE BANK FIRST BANK OF PUERTO RICO NUMBER OF LOAN XXXX. THE BANK NEVER CALL ME, NEVER SEND A LETTER SINCE A WHOLE OF MONTHS AND AND ANOTHER SUPER MISTAKE I LOST MY MOTHER AND FATHER FROM XXXX AND ALL THIS TIME WAITING AND WORKING WITH THIS SAD PROCESS AND NOTHING FOR THE END THIS BANK FROZE MY BANKING ACCOUNT JUST, BECAUSE MY MOM HAS AND MONEY ACCOUNT IN THIS BANK. NOT I MAKE ANOTHER COMPLAIN BUT REALLY ITS SO SERIOUS WITH THIS BANK TO ME BECAUSE I THINK THEY WANT TO WIN TIME TO MAKE ME A TAKE ME THE HOUSE AND I GON NA SLEEP IN THE STREETS OF XXXX XXXX SO SAD. BECAUSE I WORK TO HARD THE LAST 17 YEARS THANKS AND BLESSINGS PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Activehours
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have an account with Earnin.com. I am trying to terminate this account. I contact the company through their online chat. I was told, I could not close the account. I send the company an email instructing them to close the account and a related account at XXXX XXXX  XXXX XXXX. I sent this email to the email address listed at the XXXX website. That address is XXXX. After I sent the email, I received an automated response email saying " we're no longer monitoring this mailbox. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: SUNTRUST BANKS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.

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 2022-10-05
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: Account status incorrect

Complaint:
On XX/XX/2021 contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 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 2022-07-25
Company: Experian Information Solutions Inc.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}

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 2019-02-06
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern ; I would like to make a complaint about Removal of the PMI Insurance on my Caliber Homes Mortgage Account with the principal balance of the loan has 78 percent of the original value, of the Loan.

We are getting into 5th month since I did my request for removal of the PMI on XX/XX/XXXX. Ive been paying for the PMI 4 months now for no reason at this point. They kept delaying the process on purpose to charge this amount as long as they can. 

First, they said they never received my request, and then they fund my mail request after 2 months but they Lost the check I included in the mail. And then we made a call to confirm they are processing but of course, they are not doing anything to remove the PMI because they did get paid for BPO to do appraisal they lost my check that I wrote on XX/XX/XXXX. Unbelievable. We made a payment on the phone when we call to check the status, we made the payment for {$160.00} but what they did again they applied that {$160.00} to my principal balance, I was waiting another month to find this out I'm glad I checked my statement that's when I realize they made another mistake. I don't know how this company survives with these employees, who will call to make {$160.00} principal payment for this size of a mortgage and we are up to date with payments also we have autopay on the account? Unreal. 
This mistake they made again cost us another month. 
Finally, BPO person showed up on XX/XX/XXXX and she took some pictures so we are at the waiting stage again until they make another move to not to remove the PMI on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from Bank of America to verify my email address, followed by second email to notify me that I had been approved for a credit card. I forwarded those emails to XXXX Received a third email this morning showing I had verified my email, although I had not. I forwarded that email as well and then notified the fraud dept. They stated that they had cancelled this card and there were no charges associated with it.

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings In The Name of Jesus The Christ Our Lord and Savior And Salutation according to your declaration of Honor, Integrity, Transparency and Professionalism Listed below are some of our concerns : All of our documents recorded at XXXX XXXX XXXX XXXX have been eradicated in some form from the documents that we have recorded in the books and have copies filed, stamped, and notarized and sent back to us. So we need to know from the Server who is the party that owns the Note.Our case isn't unusual but it is cost deficient for us.We need an interventional source as we have been in this fight since XXXX.A Notice came around XXXX XXXX, XXXX with a claim that the home loan was assigned, sold, or transferred to the new owner Bofa Merrill Lynch Asset Holdings Inc. on XXXX XXXX. The new address being XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX .Phone number ( XXXX ) XXXXIn our research we have found that XXXX XXXX XXXX Company ( Industry ) XXXX XXXX Senior XXXX XXXX XXXX XXXX, XXXX - XXXX. XXXX, XXXX Company ( Industry ) Merrill Lynch Managing Director XXXX XXXX, XXXX - XXXX XXXX, XXXX Company ( Industry ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX, XXXX Company XXXX XXXX XXXX Bank of America XXXX Merrill Lynch XXXX XXXX XXXX : Banks, Lending And Mortgage, Investment Banking And XXXX XXXX  ) Managing Director Company and as Owner with a staff of 3 people. This assignment is not recorded at XXXX XXXX XXXX XXXX as such we have found all information removed in recent standing.We no that our Note, was either Lost, Stolen or Destroyed by the now eradicated XXXX XXXX and or others that have been removed from court documents.We are also concerned about XXXX Person Entitled to Enforced the note. 
Therfore we would like to know who the trustee is and who owns the note.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2022-11-15
Company: EQUIFAX, INC.
State: UT
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 XXXX and XXXX XXXX XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXXXXXX XXXX aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. 

In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. 

In XXXX, we received a default notice from XXXX, a collector for ACS.  This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. 

Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. 

I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. 

Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. 

Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. 

We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. 

This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Credit was ran multiple times without consent,

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 2023-09-25
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:
This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 2022-11-09
Company: Flagstar Bank, N.A.
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: Reporting company used your report improperly

Complaint:
I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base 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 2018-03-28
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report.

Company response to consumer: Closed with explanation