BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NC
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:
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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2022-07-27
Company: EQUIFAX, 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:
Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Equifax. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 agencies are reporting different information which means that the information was not verified and not reporting at 100 % accuracy! 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payment in question : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Credit Solutions, LLC (KY)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL I CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid for flood insurance with the XXXX XXXX for my loan property since XXXX. The renew policy period covers from XX/XX/XXXX to XX/XX/XXXX. However, Ive been charged {$50.00} per month from BoA for Flood insurance since XX/XX/XXXX. 

Early XXXX, XXXX - received a letter from BoA regarding missing documents of my flood insurance policy XX/XX/XXXX - I immediately visited the BoA in XXXX XXXX, CA. The account manager in BoA CONFIRMED they had received the proper proof of insurance, no action needed and no additional charges. 
XX/XX/XXXX - I contacted my loan manager XXXX XXXX. She looked into the case and told me Flood insurance is mandatory to be included in escrow now instead of paying on my own, theres a guideline change and lots of change with mortgages this year XX/XX/XXXX - I called the customer service for assistance. Customer service provided me with the same answer as the account manager in BoA XXXX XXXX office, the reason why I was charged additional insurance is because they didnt receive a valid proof of insurance, so I resubmitted my insurance form. 
XX/XX/XXXX - I called customer service and was asked to check with the insurance department. They advised once the insurance department receives the right proof of insurance, they will process the refund of prior charges accordingly. Then a BoA insurance agent provided more detailed advice on what was needed on the proof of insurance, and confirmed Customer Service will need to process the Escrow removal and refund.I resubmitted the insurance policy. 
XX/XX/XXXX - insurance department finally confirmed they received the correct document. Now, they advise me to move on to the next step - contacting customer service to remove the escrow and process refund. I called customer service and no one responded. 
XX/XX/XXXX - I called customer service and was told the XXXX was placed in my account and mandatory for additional charge. 

Could you please help me to get the refund of {$200.00} insurance charged by BoA Escrow. I am covered by the XXXX XXXX, and no need to pay double insurance. 

Your immediate attention is much appreciated.

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 monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Affirm Holdings, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XX/XX/XXXX XXXX XXXX, I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Bread Financial Holdings, Inc.
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:
I am a frontline essential worker during the pandemic. I work as a caregiver and was negatively impacted by COVID 19. Worked full time to care for XXXX patients and elders. During the pandemic I lost many of my patients due to COVID resulting in loss of income. I had three late payments posted by Comenity bank resulting in credit score decreases making it even more difficult for me to get back on my feet. I reached out to ask for some relief during this time and they were unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding the handling of homeowners insurance related to a mortgage loan held by now Nationstar Mortgage that was transferred from XXXX Mortgage in XXXX 2015. 
Previously we have n't been escrowing for homeowners insurance and then independently Nationstar did not update the mortgagee clause nor set this up as non escrowed account then tried to first force place insurance and then not post a payment due to the escrow shortage. Even with showing proof of insurance they are now trying to force me to escrow even though i have this set up to pay with our insurance company causing me to stay on hold for over an hour to correct their errors. Still not convinced they are going to handle this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 unverified accounts below continue to report on my credit report despite several written requests there are still incorrect accounts.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected or removed immediately : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Balance Owed : {$100.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove 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 2015-11-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a reverse mortgage a few years ago. I understood the stipulations to keep the insurance and taxes paid. However, I became very ill, we got into a financial bind and fell behind on the insurance and all this was explained to the bank. The loan started with XXXX XXXX XXXX, then sold to Nations Star Mortgage, then sold to Champion Mortgage. At this time we have obtained proper insurance coverage, worked out a repayment agreement with Champion Mortgage a document signed by both the mortgage company and the home owners. However, the first payment was returned and the house was bought back by the mortgage company stating that they received the agreement and the payment on different dates. We 've obtained legal counsel and have had XXXX court appearances to resolve the matter. Each appearance there has been a different attorney representing Champion Mortgage. This has been our home for 42 years, and XXXX generations, it 's too much history and too many memories to just let go. A 10 day notice was sent via USPS, and then an eviction was filed on another occasion to vacate the premises in 10 days. It is imperative that the public know that Champion Mortgage has done this to elderly couples before, the difference is with us we have others fighting on our behalf to retrieve our from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was received & processed by the mortgage company, Nationstar, 2 days after the due date. This is only the first or second time we have ever been late in 15 years. 
They are charging an unbelievably high and incomprehensible late fee of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2023-11-21
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to XXXX Mortgage on XXXX/XXXX/15. On XXXX/XXXX/15 I received a letter stating that my home was recently placed in a high-risk flood zone, and that they would force-place flood insurance on me if I did n't get it myself. My home is not in a flood zone ( I checked the FEMA maps ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint is against - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX TD Retail Bank services XXXX XXXX XXXX XXXX XXXX XXXXXXXX I purchase cell phone XXXX XXXX XXXX XXXX XXXXXXXX - intially with XXXX XXXX I fully paid the financed service. After that XXXX financing continued to charge me for XXXX care and XXXX XXXX service. In XXXX XXXX phone broke up and XXXX XXXX insurance coverage XXXX- couldn't replace my cell phone stating- " we do not carry XXXX Note XXXX XXXX any more '' and agreed to refund me a check. When this happens I notify XXXX financing as well as TD bank customer service personell- to cancell XXXX XXXX and XXXX XXXX service-since they did not replace phone to me. 
As of XXXX, XXXX I cancelled XXXX XXXX and XXXX XXXX service via phone calling XXXX XXXX directly and TD bank- that was right after XXXX XXXX XXXX XXXX issued me refund check. 

As of XXXX, XXXX no billing shouldn't be issued under my name. However, XXXX financing continued to issue billing for non existing service. Not only monthly billing adding late charge for non existing service. I called multiple times to customer service they apologized all the time and verbalize agreement for not to issue charge or issue bill as of XX/XX/2023. However, company is falsely sending bill as if i am i am receiving service from them. When i called XXXX care blaming TD retail card service for Issuing charge and vice versa. 

I tried to search their adress to file complaint via XXXX  or open legal case aginst them and couldn't find adress other than postal adress writing in top. 

I am wrting to let them know that i am very disappointed about the game they are playing and disputing the all charges charged issuef as XXXX, continually till XX/XX/2023 Please cancel issued charge for non existing service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been with Chase for some time already. However, sometimes I feel like that there is a disconnect between Chase and their customers. Nevertheless, I feel like Chase charges for every little thing. I feel like they made a lot of money over period of time wirh fees on me. 

Furthermore, I feel at times they hold certain things in the way they processed stuff. So they could insure themselves That they would make money off me based on XXXX There has to be a better way to prevent these fees.I need Chase bank to mail bank statements and I never gave chase bank written or verbal permission to go paperless. I would like something documented so I can see everything going on with my account. I don't like to use the mobile too much. Because I got hacked on my cell phone recently. 

I get a direct deposit every single week into Chase. However most of my money that I'm getting direct deposit now is going to Chase fees. By the time they take out their fees I get less than half of my direct deposit. Yeah that's how I go into the negative caused me more financial hardship. 
Me thinking I still have money in there, based on the direct deposit causes me to go into overdraft. 

Especially this year alone. From the beginning of this year I had been struggling. I had covid 19, Been very sick. Was admitted to the hospital and also had XXXX twice this year. Plus dealing with death and sickness in the family. I was also affected by the hurricane as well. I have a medical condition..These XXXX hurts me XXXX When they charge me these fees, and then I realize they withdraw I have no money from my account, I have to start making some decisions. 

Some of the decisions I have to make, Not being able to pay for my medicine, not being able to pay for my medical care and not being able to pay for any food or other bills. Because I'm so busy paying Chase Bank all the fees back. They have to be more understanding to people and what's going on with people 's lives right now. Especially how the economy is. Inflation went up. My paycheck did not go up. Including my medical care has gone up. Food went up gas went up, etc.

Sometimes I try to get help from Chase, however they make it very difficult for me to get the full help I really need. It's also hard contact them when you're put on the on hold for so long. I try calling even times during my break and lunch and it's very difficult to get through to them on time.

Company response to consumer: Closed with monetary relief