BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: AMA Advisors, LLC.
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: Account information incorrect

Complaint:
VA loan with XXXX in XXXX. Loan was sold three times in two years Homebridge to Company X, back to Homebridge. Homebridge now has two accounts on my credit showing past due 60 days because they sucked at keeping up with when they sold my loan. Sold house in XXXX, paid in full and was never late. I have called, faxed and snail mailed Homebridge with no response. Calls after waiting on hold hours, end with promises of a call back by " credit department '', never happens. All disputes come back with " verified information ''. Now they have just put a current late XX/XX/XXXX on a loan that was closed and paid in full back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The only address should be on my file is XXXX XXXX XXXX XXXX XXXX NY XXXX any other address is inaccurate. I have called a few times but for some reason other addresses keep hearing on my account.

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 2022-05-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Carrington Mortgage ( previously with XXXX ) on XX/XX/XXXX. I was unable to access their online payment system and app initially ( I was told it needed time to be set up since the account was coded for bankruptcy, and that I was covered under RESPA for 60 days ). Not waiting any longer, I ended up calling them in early XXXX and made the XXXX and XXXX payments through a phone agent. I paid {$2000.00} for both XXXX and XXXX, even though the payment dropped to {$1900.00} in XXXX ( Carrington said their system wasnt reflecting the change yet ). They ended up putting the {$41.00} I overpaid in another recoverable bucket. They are pursuing me for fees through the Bankrutpcy that were already paid through the Trustee. Their most recent statement doesnt even reflect what they are attempting to recover, its just lumped into the payments. I paid {$1900.00} on XX/XX/29 to be joined with the {$41.00} overage I paid previously to satisfy XXXX payment. 

I should only be due for XXXX and only owe {$1900.00}. I also applied for an escrow shortage spread but have been given conflicting information on that as well. I attempted to contact their office of the president, but they do not have one. They just keep sending me back to the bankruptcy department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian customer service phone numbers are entirely useless theres no representatives to speak too, it would appear this is a reccuring theme for this company there are peoples livelyhood at stake here and being unable to contact them in anyway is rage inducing

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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I applied Neiman Marcus Store credit card / Capital One back in the Year XXXX. I signed up for e-statement since that is the way I manage my cards. I did not use my card often, but when I tried to log into my account to make a payment, my password did not work. I tried to reset my password but never receive the email for the link. ( I did check my Junk mail every time ). Because of that, I stopped using this card. 
But still, for the one purchase I made in XX/XX/XXXX ( before I finally realize how hard it is to have my online account actually work smoothly ), I had to pay over the phone with the late fee of {$60.00} since I can't log into my online account. Of course, the negative report shows up on my credit record. 
On XX/XX/XXXX year XXXX after talked with someone, I was told a fax number XXXX XXXX XXXX to sent my Removal Negative Status request to. I faxed over the letter explained the reason and ask them to remove the negative report. Even before I faxed out the letter, my trying to reset the password still failed. 
XX/XX/XXXX, I called them to check the status and was told their record shows that my reason is invalid. When I ask to speak to someone, they said no one can help me. I asked for the right department to help me, they said they don't know which department. When I asked to speak to the department which can help customers to reset their online account password, a person who works there told me he is not sure if he can help me. I asked for the Reset Password Request record of my account, they said they don't have it. 
This is very sad that when they don't do their part of work, their customers take the impaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, and XXXX continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-04-08
Company: Santander Consumer USA Holdings 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:
I am victim of XXXX XXXX  XXXX XXXX XXXX XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and Santander Consumer USA {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im entitled to complete and accurate reporting. Credit reporting agency continues to update account after multiple request for deletion. Did not provide me proof or documentation for ignoring my request. 

15 USC 1681i - incomplete information on report as shown in document attached.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

Proper investigation as stated in " 15 usc 1681e '' was not followed. No proof provided.

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 2023-11-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
After the death of my mother in XX/XX/XXXX, I learned of a home equity line of credit loan that she obtained in XX/XX/XXXX in the amount of {$100000.00} after receiving a statement from the bank showing a balance of {$52.00}, XXXX. I immediately went to the bank to inquire as to how she was able to obtain this loan since she did not own the home, it was transferred to me and my siblings in XXXX of XXXX. My mother continued to live in the home as she had a life estate. I was told by the bank representative at that time that he was unable to provide any information regarding the loan or the contract because the loan was in my mother 's name. He did say that as owners of the home, my siblings and I would have had to approve the loan and sign the contract in addition to her signature. He recommended I contact the loan servicing center to obtain additional information. After speaking with a customer service representative I was informed that the only information they could provide was to say that another loan she obtained in XX/XX/XXXX for {$53.00}, XXXX was paid off with this {$100000.00} loan. My siblings and I had no knowledge of either of these loans nor did we sign off on them allowing her to obtain them. We are now expected to pay off the balance of {$52000.00} but believe the bank was negligent in providing this loan without due diligence in obtaining ownership verification and that we should not be held responsible as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 don't owe anything to this collection company, I have already made payment send I want this collection account to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US 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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

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 2023-04-05
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Thanks to Covid I had reduced income due to being a XXXX XXXX. US Bank was more than willing to be helpful during that process and granted me a forbearance on the loan. XXXX of 2022 I was ready to resume paying on the loan and they did a loan modification and lowered my payment to {$790.00} ( I'm not sure of the exact change ) and I made my first installment payment on time. Then I go to make my next payment and it's rejected. I called after I had received new modification applications confused as to why I was receiving them and was told not to send them again, that everything was fine. But when I go to make the payment over the phone I was told that an underwriter decided a signature was illegible and that my modification application was denied, even after I had already made the first payment. Then I had to go through applying all over again. This time they made my payment {$400.00} higher than what it originally was. My paychecks are only XXXX at best. That new payment option is more than an entire paycheck. NOT AFFORDABLE. Now I'm currently dealing with a wage garnishment, also due to COVID, and I've told US BANK this and they chose to ignore it. I'm a single mother, desperately trying to save my home and US Bank keeps offering me only options of {$1100.00} or higher in the repayment offer and expect the first payment before I even get paid again, then another payment 2 weeks later. I can't afford that. I tried asking for another forbearance and reverting back to the last approved payment amount of XXXX they won't approve that either. I've asked to speak to someone about this and I keep getting told no. So now I'm escalating my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received a loan from American Honda Financial Services on XX/XX/XXXX while fleeing XXXX XXXX situation that resulted in my termination from a job. XXXX in finance at XXXX XXXX seemed to have information about me when making the loan. 
This year, just before the winter storm hit in XX/XX/XXXX, XXXX XXXX failed to acknowledge that my repair was covered under warranty and attended to get me to trade in my car or finance the repair. I refused these predatory efforts on XX/XX/XXXX and was stranded in my disabled vehicle until XX/XX/XXXX throughout the winter storm and in the face of people wishing me dead. XXXX XXXX informed me of the warranty and made the repair in XX/XX/XXXX. 
I remain impoverished with no money or gas, living in my car in Texas heat exceeding XXXX at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Changed their mind on what the amount of the bill. Due to no fault of my own, XXXX decided to increase this bill significantly since the initial bill. The initial bill was approximately {$1500.00}. Once it was realized that insurance was not filed ( even though we gave insurance at intake ) I filed insurance which jumped the price to nearly double to XXXX XXXX The bill came back 2 times to give the XXXX $ ( still far off from the initial bill ). When I told XXXX to remove my insurance from the account to give me the initial bill, they refused. 
The medical initial intake notes did not reflect my symptoms, issues, and discussions that I had with intake personnel, doctors, nurses, and other medical personnel. Once they were made aware of the situation on what had to be added and changed. Once I contacted XXXX, Some were corrected and modified, however some issues, complaints, problems, symptoms, and causes are still not documented either at all or correctly. This will lead to issues later with XXXX getting proper compensation from XXXX. Since this was related to my XXXXXXXX XXXX just 2 days prior to my arrival at the hospital. 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 has indicated to me that they have not received all of the information requested from the providers of care. When I called the hospital to verify what, if any, information, notes, and/or documents were sent. I also requested the date it was sent. They refused to give this information to me either by phone, through email, or in person. And would not verify that they received a request from XXXX to send the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as long as the documentation about the visit was accurate and complete ( which it is still not ). In addition the medical provider needs to provide the requested information to XXXX, which XXXX has not received as of this moment. XXXX will not allow me to provide them medical records, documents, or information and it must come directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: ResidentCollect, 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: Old information reappears or never goes away

Complaint:
Innovative recovery has been Re aging my XXXX report this collection account was placed on my credit report XX/XX/XXXX but the date of last activity has been changed year after year. XXXX my credit report XXXX stated XX/XX/XXXX next credit report pulled on XX/XX/XXXX stated XXXX XX/XX/XXXX next credit report pulled XX/XX/XXXX stated XXXX XX/XX/XXXX the next credit report pulled was XX/XX/XXXX shows XXXX XX/XX/XXXX this is illegal. Ive disputed this in year XXXX with negative results just did a recent dispute again in XXXX of XXXX and still negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 3 cards with Bank of America. I closed 1 due to a recurring fraudulent charge. B of A closed all 3! I've been a customer since 'XX/XX/XXXX & always paid on time, most of the time bringing balance down to XXXX. Contacted them - they had the nerve to say I should reapply! On 1 of  the accounts, I owe $ XXXX, but since they closed it, I now owe that amount to be paid in full!

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