BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America started increasing my interest rates drastically after I closed my account in XXXX of 2020. The reason I closed my account was due to the interest over XXXX and the payment was XXXX I ask them why did they increase the interest rate that was already at XXXX and I was paying on time and they gave me no answer. The lady that spoke to me said, just increase your payment. I told her I am unable to increase my payment due to me being on Social security. Because I wasn't able to pay that amount with an additional XXXX in fees, they have started harassing me everyday in the morning and in the evening after XXXX. With that amount I was paying for interest and fees only. Nothing going to the principal. Now they are saying, I will sue you. For what? just because I am unable to pay their high interest rates and fees? Nothing going to the principal? 
Another credit card company that I have quickly put me into a program where they lowered the payment and didn't charge any fees. They understand my situation and they take the payment out monthly. Now I am almost finish paying for that 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 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/2023 - Good day, I just found out that Truist/a.k.a Suntrust Mortgage Company has placed my 2nd mortgage that they are servicing on foreclosure. I tried to call them twice today, to find out how to bring the account current and if they could provide me with the payment to be made to reinstate the account, as well as providing a payoff quote. The first representative I spoke to informed me that they could not give me the amount to pay to bring the loan current, and to call their attorney who will have to add their fees and let me know how much to pay them. I expected my mortgage company to have that information and not run me around to get the amount to reinstate my account or pay it off if I choose to do so. This bank has proven difficult to work with from the start, when I tried to modify this loan with them. I submitted an application long ago, which they lost and wanted me to submit another one. I have family members going through terminal illnesses that I have been dealing with, and just couldn't deal with them running me around. I had to borrow money to try to reinstate this account, and they are still doing the same thing. I even asked them to provide a pay off quote as well, which they could not do. The second representative I spoke to, gave me a figure which does not correspond with the figure I saw on this lender 's current loan statement for this month, which they had sent to me. She then told me to contact their attorney, after giving me the quote, which tells me that what she quoted is not right. My first mortgage is current, and when I called them, they told me they are not aware that this lender is trying to foreclose on my property. I feel frustrated in trying to deal with them and assume this as part of their tactics that they use to take people 's properties from them. I would really appreciate your assistance in this matter. 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
We've talked to the furnisher & they've agreed to remove the account, but TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: CA
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:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a American express card in the mail .I did not activate it called company and canceled but it is showing charges on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: CO
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 have a XX/XX/XXXXcredit card, account number ending in XXXX. This account is showing as a charge-off and it is derogatory on my Experian credit report. I recently paid the account off, but it hasnt been updated on my credit report. Experian says I cant dispute this account anymore and says that I still owe a balance of {$1000.00}. 
I have proof that I paid the account off. 
I contacted XX/XX/XXXXXXXX about the account and they stated that the account is managed by XXXX XX/XX/XXXX. XXXXXX/XX/XXXXXXXX is a collection agency. 
I contacted XXXXXX/XX/XXXXXXXX law firm and paid the remaining balance of {$850.00} to close the account. I have the receipts and the account number with XXXX XX/XX/XXXXXXXX law firm. 

XX/XX/XXXX XXXX account ends in XXXX XX/XX/XXXXXXXX account : XXXX Confirmation number of paid off account : XXXX XXXXXX/XX/XXXXXXXX collection agency phone number : 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 2023-10-20
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XX/XX/23 I SENT LETTER REQUESTING I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


ON XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately XX/XX/23 This account was charged off and I no longer owe money to this creditor but its still showing a balance due. FROM XX/XX/23 TO CURRENT THE CREDITOR FAILED TO UPDATE THE COMMENT SECTION THAT THEY DID AN INVESTIGATION. THE CREDITOR FAILED TO UPDATE THE REQUESTED INFORMATION REGARDING MY DISPUTE, THE BUREU FAILED TO DO A INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 an alert from XXXX XXXX today that I had a hard inquiry on my TransUnion and XXXX from XXXX  XXXX XXXX! I have not applied for any credit from XXXX XXXX XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.

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 2022-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX NJ XXXX properety Block XXXX XXXX XXXXXXXX tax account XXXX was trasferred to Fifth Third Bank. After that Despite being current with mortgage payments. The I have delinquency on my real state payments with the city of XXXX tax collector. I have been strugling to resolve the issue but each and every communication with fifth third their representatives have not made any serious diligence to resolve the issue and instead they have stated that my mortgage is current. After providing all information they have refuse to provide a payment evidence for real state taxes and hazzard insurance at current moment my property taxes are delincuent with about XXXX on penalty interest accumulated. The city of XXXX have provided records that shows not payments made for the entire year 2022. My home insurance policy with XXXX XXXX was never pay by fifth third neither fifth third have provided any evidence of the destiny of the escrow funds, despite several phone calls and online engagement. I find this mortgage servicer to be at best incompetent and at worst a conspirator to create this situation. They have done not decent effort to correct the situation and I have requested the escrow account to be terminated .I have requested that they pay the interest and penalties as per their legal obligation .I request the return of all the funds that they escrowed tor insurance and taxes so I can take care of those payments by other reliable mean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: FMA Alliance, Ltd.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear Madam/ Sir, CFPB : This matter is in regards to a loan that was purchased on/or about 4 to 5 months ago to pay most of my medical coopayments that are not covered by my insurance company. And Also medications need it, for me, in and out of the counter. Also to pay some of my car payments and also to pay my rent. This debt collector is calling me day and night harrasing me and thretening me to pay the loan. Do to my XXXX and do to the Covic 19, rules and regulations. I dicide it to settle the loan, in {$1.00}, that is as much as I can pay, .I cant pay any more. This debt collector is abusive in language. And this is against the consumer protection laws. Thank you. Respectfully yours : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a current mortgage application with Bank of America that is still being processed. This is the second application I have had with them this month alone because they cancelled my first one without notice. After discovering it was cancelled and calling everyone that I could they helped by putting in a new loan with an expedite on it. I spoke with the manager of the lending officer who admitted the loan was cancelled the first time due to an oversight by his lending officer. However, he promised that the expedite would get the loan through and we could close as close to the initial date as possible. It is now 3 days away from when we were supposed to be closing on the house and I can't get anyone at the bank to respond to my emails or phone calls. The only time I get a response is if I call them out on ignoring us and the response received is " we aren't ignoring you '' but nothing to actually address our concerns or questions. our appraisal was supposed to be completed on the XXXX of XXXX and we still haven't been told if this has actually taken place or not.

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 2023-07-06
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:
I informed equifax previously to remove address that isnt my address, the latest credit report is showing this address. please remove address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted the collection agency, Wakefield & Associates on several attempts to try and resolve this issue. I have been unsuccessful in doing so. I have filed at least 3 disputes pertaining to these medical bills and I have yet to get them resolved. I spoke with a representative in XX/XX/XXXX and he assured me that the items would be removed because I have had someone in Ohio to steal my identity and file income taxes in my name. I have no knowledge of being treated or in the hospital during the dates that were provided which were in XX/XX/XXXX.I made another attempt in XX/XX/XXXX to contact Wakefield & Associates again and the customer service representative was very rude and we could not come to a resolution I never received a bill from the collection agency nor the company that it represents. I was only made known about the bill when I began my home buying process. I am disputing BOTH debts and I need them to be removed from my credit report because it is having a negative impact on my credit. 

Wakefield & Associates- {$850.00} Wakefield & Associates- {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan XXXX XXXX XXXX XXXX XXXX ACA XXXX XXXX XXXX XXXX ) that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score. Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX XXXX Upon receiving it, I realized the loan was upside down. 2. I took steps to resolve the debt by voluntarily surrendering the car for repossession. 3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car. This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved. - Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it. - Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about. These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. Sincerely, XXXX XXXX

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: NV
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:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, XXXX days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

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