BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: STATE FARM BANK, FSB
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:
State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We purchased our home in XXXX CT in XXXX with a XXXX XXXX. In XXXX we refinanced with XXXX XXXX  via a local real estate company, XXXX XXXX. Mortgage was assigned to XXXX In XXXX and to GMAC in XXXX. We refinanced with XXXX  XXXX XXXX in XXXX and paid off that mortgage in XXXX. We are applying for a Home Equity Line of Credit and can not qualify because GMAC never filed a release of that mortgage when it was refinanced with XXXX  resulting in an old lien on the home. Attorney who handled all transactions is dead and his records from that time dont exist any longer. We have no proof of payment to GMAC. XXXX says its not their problem. Title Insurance cant cover since its a mortgage we imposed. GMAC doesnt exist anymore and XXXX, who took them over, hasnt responded to request to research/inquiry. We have a real estate attorney who is exploring options to resolve but as yet he hasnt met with success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Account status incorrect

Complaint:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my  information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

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 2020-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

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 2020-07-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was transferred to XXXX XXXX from Caliber Home Loans in XXXX of 2017. Caliber Home Loans still reflects my loan as being open with the credit bureaus, specifically XXXX. I  have asked Caliber Home Loans to contact the credit bureaus and report my loan as either closed or transferred and to no avail. They keep indicating to me that they no longer have the loan and they do n't have any way to change it. I have been denied two loans because of my debt-to-income ratio. Every time I file a dispute with XXXX, it comes back that they have verified the status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year with TD Bank they purposefully say they never receive my homeowners insurance. They charge me a ridiculous fees. I email, fax and even sent a paper copy of my insurance policy in with my bill. They say thet never get it. At the last minute they say it's been fixed but it never has. Even though i payed and they have cashed my checks they say they can't fix my loan to reflect the correction. It is a scam they try every year to squeeze money out of me or ruin someone's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not familiar with this account. I have been disputing this account for some time now and have reached out to Bank of America for validation of the debt. How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. It has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 explanation
Consumer complaint received 2021-02-01
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the attached repo removal letter to SETF ( certified ) and they responded saying they only would be willing to talk on the phone or via email. That is against the law that they didn't provide the documentation with my signature on it matching my ID. They are reporting four derogatory accounts to my credit report and refuse to provide the signed contract on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: RS Clark and Associates, Inc.
State: NE
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:
My mother had gone to the doctor and my father, who has the same name as me, was supposed to pay off the rest of the bill for the doctor with his insurance. My father was in XXXX at the time and the debt collector of RS Clark and Associate, looked under my mothers relatives and saw that I had the same name as my father so they did not look to make sure it was him and charged me with the bill, and I never knew because I was gone in college at the time and they thought they billed my father. I did not know until I got a alert from my bank that my credit had dropped 44 points for a closed account that I never opened and when I called the debt collector they told me that they could not do anything but make me pay for it and it will take at least two months to get off my credit, when it was their fault that they charged the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone have stolen my identity. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX. Someone stole my identity and opened up this account. I have never had this account. Transworld Systems and XXXX XXXX are reporting to the major credit bureaus a debt that is not mine. They are reporting to XXXX, XXXX XXXX and XXXX. I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I went to the Chase XXXX branch in XXXX, VA to open a business checking account with a promotional code I had received in an email. I worked with a bank named XXXX XXXX, who opened the account for me. He took both my driver 's license and court document for my business trade name and made copies/scans of in another room while I sat in the office. 

A couple days ago, I received a letter postmarked XX/XX/XXXX, saying that additional information is needed to keep the account open, and that I needed to supply this information by XX/XX/XXXX. I did not received this letter until the end of the day on the XXXX, which was a Friday. I called into Chase to try to figure out what exactly they needed, but they would not tell me anything, only that I needed to go to the branch I opened the account in to resolve this issue. No further information was given. I didn't even know what documents were needed to keep my account open. 

I couldn't visit the branch on Monday due to work, and ended up going the earliest I could, which was Wednesday, XX/XX/XXXX. In between then, I called multiple times to the branch to see what could be done on their end and every time, they said they'd look into it and get back to me, and they never did. Finally, on Wednesday, I went in person, was assigned to a banker named XXXX, who proceeded to take my all my personally identifiable information again and go off into some back room for 15 minutes. When he came back, I asked him what he did, and he said he scanned the documents into the computer and that I should be good to go. I asked him what was missing before that caused this issue, and after 5 minutes of browsing on his computer, he couldn't tell me. I asked him how long it would take to know if the issue was resolved and he told me to call back in 2 business days, but couldn't provide anymore information. 

Later that day, I decided to call into XXXX myself and try to follow up. I was eventually forwarded to the XXXX compliance department who told me that the account had already been closed on Tuesday, XX/XX/XXXX. This was the day before I went into the bank, had a banker take all of my personally identifiable information into a back room for XXXX minutes XXXX same as the first banker ) and come back and tell me I was " good to go. '' The compliance representative told me the banker should've been able to see my account was closed, and that if I had wanted a checking account, I would've had to open a new XXXX. Therefore, there was no reason for him to take my information to " scan. '' I'm very worried that my personally identifiable information has been compromised at this branch. When I was there, I found out that XXXX XXXX was not even an employee at that branch. When I looked at my paperwork, it showed that my account had been opened in the " XXXX XXXX - XXXX '' branch, which is all the way in New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX, for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in XX/XX/2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of XX/XX/2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Risecredit, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!

Company response to consumer: Closed with explanation