BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
They refuse payment and under such hardship circumstances they refuse forbearance option, Overcharged and fees and charges and change the payment amount and even though overpaid almost 3 years and asked for it to be applied towards principle it never was and then they would not give me a list of all charges and fees applied on the account after one 30 day late because they refuse the payment They refuse a partial payment and I believe started foreclosure process and I believe the VA guarantee paid however Ditech will not respond to requests Verbally over the phone nor written request. I have given them six written notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account with Amex was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought Amex was a good company ... very sad that they would want to go against the laws of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No one has validated this debt, even though several validation letters have been sent out of the span of 2 years. I am trying to buy a house at the moment and this collection is hindering me from doing that. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: DISCOVER BANK
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I authorized a wire transfer on XX/XX/18. This wire transfer was supposed to be for closing on my first home. By the afternoon of the same day I had realized I was being scammed and called Discover to cancel the wire transfer. I was told the money was guaranteed and that I would get it back within 7 to 10 business days. I followed up multiple times during the next two weeks and was told by multiple people, including a supervisor, that the money was guaranteed and that I would have it back in my account no later than 10 business days. On the 11th business day, XX/XX/18, I was told that the money is not guaranteed and that I would most likely not be getting it back. This was the first time I was told I would not be getting the money back unless the recipient bank sent it back and it was the first time they told me to call the recipient bank. Due to them reassuring me on multiple occasions that I would be getting the money, I proceeded with closing on the house, using the remainder of my savings. If I had know that the money was not guaranteed or that there was a chance I might not get it back I would not have closed on the house. Now I am in an extremely difficult financial situation, living paycheck to paycheck because Discover blatantly lied to me for two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: NC
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 previously sent Equifax 4 different dispute letters over the last six months asking them to provide validation and the show that I owe this debt by showing my signature on the contract that I signed with XXXX XXXX XXXX XXXX. According to section 609 of the FCRA, they are required to show a contract with my wet ink signature on it and it has to be 100 % accurate, but they keep sending copies of my signature and saying that they verified the debt when they have not. Also, I received the letter from XXXX XXXX XXXX XXXX on XX/XX/2020, stating that they were unable to locate an account with my name and account number, I also sent the copy of this response letter from XXXX XXXX XXXX XXXX to Equifax, but Equifax still says they verified that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have submitted 2 complaints with CFPB # XXXX and # XXXX for Bank of America Home Loan account no # XXXX. Now the bank is retaliating and has suspending my account, claiming that my payment is past due. BofA hasn't corrected the issue and is showing balance on my account incorrect ( it's been many months and I see random activities on my account daily from BofA ). Additionally, I am on auto pay from my BofA checking account so there is no way I could be late on my payment. I am totally disappointed on BofA and feel mistreated and harassed.

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 2021-06-27
Company: Experian Information Solutions Inc.
State: LA
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:
A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.

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 2018-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of XXXX $ to Bank of America account XXXX on Friday XX/XX/XXXX via mobile app. The check was from a major insurance company. I looked at it and it was processing and then within two minutes a hold was put on it until XX/XX/XXXX because I never make large deposits ( although I regularly put 10-15k monthly in my three other accounts ) I use this account to pay my mortgage ONLY which incidentally is XX/XX/15, so consequently I only have deposits of 2 or 3K monthly. 

I spoke to a representative XXXX in Texas who said that her hands were tied. 

Incidentally, while I was waiting for XXXX XXXX minutes there were numerous go rounds of an ad which invited me to transfer money from my credit card to my low balance account. 

This whole scenario seems highly inappropriate at best, and in actuality a racket.

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 2021-06-29
Company: ACIMA CREDIT, LLC
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: Account status incorrect

Complaint:
I have a loan with ACIMA CREDIT FKA XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ACIMA CREDIT FKA XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and ACIMA CREDIT FKA XXXX with no successful resolution.XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: FISERV INC.
State: MN
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 a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Nelnet, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Idk XXXX XXXX informed me of a new hard inquiry and I haven't applied for any credit cards .... and ib think my identity had been stolen cause I can't answer questions to confirm my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Beginning with my XXXX Rewards Visa card statement with a due date of XX/XX/2019, a new line has been inserted with balance information. The first line is the new balance, which is self-explanatory. The new line is titled, " Interest Saving Balance, '' with wording underneath the line that says, " Pay to avoid interest on next statement 's purchases. '' I paid that amount and was charged interest. I called them and they reversed the charge. 

I find this extremely misleading. I assumed this balance was the difference between my XXXX charges ( which are interest-free for six months ) and my total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic and coronavirus. I will be left no choice but to seek legal remedies shall this issue not be taken care of promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2018-09-05
Company: Innovis
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: Their investigation did not fix an error on your report

Complaint:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  and innovis requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has completely removed my credit score. As a consumer it is my right to a credit score as they have plenty of reports including allowing an collection agency to maliciously flag and negatively report more than once within 30 days when said account is old. This is violating my rights to fair reporting denying me of a credit score yet so willingly determined to report only negative information. I will provide documents to show the violations and the damage Experian is causing. 

Experian in violation to deny me of my credit score I am a human being and it is my right to fair reporting. I am being punished for no legit reason. This is totally unfair for Experian to be allowed to do this. I have positive credit history thats not even showing, efforts gone unnoticed or as they say may take up to 6 months to show yet Experian allows reporting of an agency to report multiple times within two weeks how is this fair? Why is this allowed? I feel a class action would be the perfect action to take against Experian for unfair practice against a certain class of individuals. 

If its no score than there should be no negative reporting.

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 2018-07-07
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After Hurricane Irma we applied for disaster-relief mortgage forbearance with our Loan Servicer, XXXX XXXXXXXX XXXX. This was approved in XXXX and we had an agreement where we would make 3 payments for XXXX, XXXX and XXXX and they would process a loan modification. 

In XX/XX/XXXX the servicing of our loan transferred to Shellpoint Mortgage Servicing and I was told by both XXXX and Shellpoint that the terms of the forbearance agreement would be honored and that no negative information would be sent to credit bureaus for 90 days while the loan was being transferred. It has taken a long time, but I was told last week that Shellpoint finally had the information that they needed. I have been receiving Default Notices and was told by Shellpoint that  these were automated, don't worry as we're still in that 90-day window and this will all get resolved shortly, I've continued to make all the payments as agreed previously each month. 

I checked my credit report yesterday and Shellpoint has been reporting since XXXX that I am over 6 months behind on my payments causing a XXXX-point drop on my score and my wife 's score. My wife is going to College for a XXXX degree and we can't get a loan because of this mistake. I called Shellpoint yesterday and was told that I'm late and I owe the money. I tried for 30 minutes to explain the situation but the agent I spoke to just didn't want to listen and wasn't concerned. The call ended with her telling me I can try to escalate, but I need to repay the money because I'm behind. I am NOT behind, I am in deferment as agreed and I need this resolving ASAP. 

What worries me greatly too is I was told by my single point of contact that I'm not the only person who's in a deferment and had their loan servicing transferred. That means there are other people out here who are having their lives destroyed by having derogatory information incorrectly posted to their credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: NY
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 have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

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 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

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 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
capital one shows card open XXXX, never had card with them until XXXX not my debt they must provide debt validation on when this account was open

Company response to consumer: Closed with explanation