BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for a loan and discovered that my credit scores at all three credit reporting agencies had dropped significantly. Upon further research I discovered that XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. I had closed my XXXX account and had paid the balance at that time. I received no notices from XXXX that there was a balance due or that the account was not in good standing. 

I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. 

However, my credit score is still low with all three bureaus as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was paid in full when it was closed. 

The cost of the loan over the 30 year period was increased between {$30000.00} - {$60000.00} due to the inaccurate credit reporting, so I have been harmed. XXXX needs to deleted the trade lines with all three credit bureaus, or I will be forced to file suit to force them to delete the trade lines and recover the monetary damage they have caused me.

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 2019-10-01
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My first modification trial payment was due XX/XX/2019 I've made that payment. 
I received a property foreclosure notice for the sale of my home that is set for XX/XX/2019 from the foreclosure attorney XXXX XXXX XXXX. How is a foreclosure sale set for my home when I'm in a trial modification plan the began XX/XX/2019. 
Property foreclosure letter was received XX/XX/2019 and the property foreclosure sale date is set for XX/XX/2019 that's not 30 days prior to sale date as required by the Tennessee XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX did 2 hard credit checks on me XX/XX/XXXX and XX/XX/XXXX without my permission. I thought that was against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, that you can not operate in the State of Texas with a XXXX. '' I am in need of another Investigation to remove them from my credit report please.

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 2020-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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:
There is a balance of {$17.00} showing on my credit report but this had already been paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a home loan in 2004 with XXXX XXXX DBA XXXX. CALIBER HOME LOANS now claims to be servicing my loan. I have sent this is a Qualified Written Request ( QWR ) to TRUSTEE CORPS and CALIBER HOME LOANS to validate the following and they have still not replied : 1. ) Evidence of actual possession of the note by the alleged Trust. 

2. ) XXXX XXXX does not have authority to foreclose since we do not know who the owner of the Note truly is. 

3. ) CALIBER HOME LOANS is merely a servicer and does not possess the Note and has no enforcement rights, nor ability to foreclose. 

4. ) XXXX has sent us the attached document showing different amounts due and is claiming to be conducting this unlawfull foreclosure. 

5. ) In order for you to institute a valid foreclosure proceeding, you must be able to establish compliance with CCC 3-301, at commencement of the foreclosure proceeding, the recording of the notice of default was 2 years ago and wrong. 

6. ) The most basic requirements of CCC 3-301 ( a ) or CCC 3-301 ( b ) have not been met : 7. ) 3-301 ( a ), Holder of the instrument : The previous entity that filed the Notice of Default and subsequent actions was not the Holder of the Note the entire time. 

8. ) We now challenge transfer and possession, and under California law, there are two requirements for a person to qualify as a Holder : ( a ) ACTUAL POSSESSION : We need to know who is the company/person with actual physical possession of the instrument, and ( b ) TRANSFER BY ENDORSEMENT : the instrument is not payable to that person where the transferor must indorse the instrument to make it payable to the transferee ( See CComC 1201 ( 20 ) ; CComC 3205 ( a ) ;. 

9. ) We now demand inspection of the original note. 

10. ) We now demand proof that possession existed when the Notice of Default was  entered. 

11. ) We now question the endorsement and negotiability since it was not proper and timely. 

12. ) We do not know when the note was endorsed? 

13. ) Who was it endorsed to? 

14. ) Is there an agency relationship between the foreclosing agent and endorsee? 

15. ) Is there a purchase and sale agreement that gives Holder rights, and did it exist prior to the Notice of Default?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I paid off the entire balance of {$22000.00} owing on my zero interest Bank of America credit card. The zero interest offer was set to end XX/XX/2019. I paid the credit card on time each and every month during the zero interest offer. On XX/XX/2019, the day after paying off the entire balance, Bank of America unilaterally closed my credit card account. I believe this was done in response to my paying off the entire balance thereby depriving Bank of America of the high interest payments due to commence in XX/XX/XXXX. Instead of serving to repair my credit by making this payment, Bank of America has harmed my credit by cancelling my account for specious reasons. My credit score is good and I have always paid this credit card on time. I have never defaulted on any debt in my 34 years of credit history and earn {$190000.00} per year. Credit utilization and amount were cited as the reason why my card was cancelled, yet these factors have remained the same over the course of the last year. The only difference is I paid Bank of America every dime it was owed prior to the lapse of the zero interest offer. I believe this is a fraudulent pattern and practice of Bank of America -- to close zero interest accounts that are paid in full just prior to excessively high interest rates kicking in after the expiration of the introductory offer.

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 2019-05-08
Company: EQUIFAX, INC.
State: OH
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 submitted documentation to all three credit agencies, only XXXX   corrected my information. Both equifax and XXXX, is lying concerning their actions taken, to resolve said matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX, XXXX  ( Original Creditor : 11 XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I do recognize a address on my report. I have been a victim of identity fraud

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 2018-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America failed to properly answer to my complaint filed on XX/XX/XXXX, somehow you or them marked my new complaint dated XX/XX/XXXX as, ( duplicate of the complaint before this one ). But it is not a duplicate it is a new complaint based on their failure to properly address every issue of my complaint. 1- I asked for the information about the XXXX trust that they stated is the lender/creditor of this alleged mortgage loan. 2- They did not prove that they have, or had had any rights to collect payments from this alleged loan. 3- they did not provide a true payment history of all the monies that they collected from me. neither showed any electronic transfer of payments made to the alleged trust. 4- They only sent an audit history full of discrepancies and unapplied payments. They also had the audacity to send fabricated copies of the trust deed and promissory note with computer, robo signing. 5- They failed to disclose who is the pretender custodian of the documents of this alleged loan. 6- they failed to disclose the name and address of the pretended trustee. 7- They failed to disclose where the alleged balloon payment due at the alleged maturity date of such alleged loan came from. The truth is that this bankster never owned the alleged loan, this loan was satisfied/discharged. The truth also is that neither the originator XXXX XXXX XXXX nor the predator XXXX were the lenders of this alleged loan. This alleged loan was funded by the sell of my signature to the multiple investors of the trust XXXX  XXXX. This trust was closed on XX/XX/XXXX and dissolved on XX/XX/XXXX according to the records on the Security & Exchange Commission. This is not a duplicate, Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... 

I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. 

A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. 

According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of the XXXX XXXX managed by XXXX XXXX in XXXX, CA on XX/XX/XXXX. On or about XX/XX/2019 I  RECEIVED a bill in the mail for amount owed for repairs. My deposit did not cover all the costs of the repairs and I owed XXXX. It said I had to pay with a cashier's check. On XX/XX/2019 I got the cashier's check and attempted to pay The XXXX but the office was closed in the middle of the day. I returned XX/XX/2019 AND PAID THE BILL. The office manager gave me a copy of the check with her signature on it when I asked for a receipt. On XX/XX/2019 I got a call from IQ Data Inc stating I was in collections for this bill and I still owed. XXXX/XXXX and IQ Data are attempting to collect money from me for a bill I already paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: General Motors Financial Company, Inc.
State: IL
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:
XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a account with XXXX. They OWN XXXX. I tried to sell something on XXXX but never managed to do so. However, I DID have 2 people try to scam me, pretending to buy my item and then trying to fool me into sending them money. 

XXXX has considered that a sale and is trying ot bill me for it, even thought i did not ACTUALLY sale anything. They hit my paypal account and withdrew the money, I don't keep any money in paypal so they reaching into my real account and took it. 

I bank with XXXX and they got my money back. Now, XXXX keeps bothering me for money AND paypal has limited my account so I can't use it to also pressure me to give them money. I don't want to link my accounts with them, they are not trustworthy, but they won't unlimit my account till I do. 

This is like wire fraud/theft. They won't stop bothering me and won't stop going after my money. I've talked to XXXX twice now and although they pretend to have fixed the problem I STILL get notices from them saying I owe them. 

Paypal has a clear conflict of interest in this matter ( they OWN XXXX ) since they didn't protect me at all from this, but instead went after my money even though they had no right to do so. 

THis is the 4th time I have had them limit my account and insist I " verify '' my information. What right do they have to do so? They don't need to see my other bank accounts when they want to " verify '' me. Its not MY info they want! its my banks info. What the XXXX? Its like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) 5XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a XXXX XXXX XXXX Card from MBNA since XX/XX/XXXX. I wanted the card because it used our fees for a program to bring back the wolves in the XXXX XXXX during a time when they were nearly extinct. 

The card also had a rewards program with it for purchases. Every few years I would purchase flights for family travel using the rewards. The program was bought out from MBNA by Bank of America, and I am not sure when. BoA could not tell me when either, which I found disturbing. 

What I learned today is that apparently, miles expire. I didn't realize this, and starting in XX/XX/XXXX I have lost approximately XXXX miles, maybe more ( the first dump was in XX/XX/XXXX for XXXX miles ). 

BoA claims they sent me a kit explaining this. I do not recall ever receiving such a kit. They also say the miles being retired are on the pdf statements of my bills which I check monthly. It says no such thing. The document just tells you how many miles are added, and how many you currently have. It says in very small print ( what looks like a 9 point font or smaller, very hard to read ), something I never noticed, that miles expire after 60 months. When I questioned the representative from BoA, he said I can always go online and look at my miles. I find this preposterous, given the arcane and disorganized nature of their website. 

So to summarize, when I got the card, it said miles never expire. Now I learn a few months after that that thousands of my miles have expired ( worth hundreds of dollars ), with no explanation, no email warning, no calls from the company. 

When I asked if there was a way to get my expired miles back, BoA says it is impossible. I find this ironic. This is the same company that we the taxpayers bailed out to the tune of XXXX  XXXX taxpayer dollars in XX/XX/XXXX. [ Bank of America received {$XXXX} XXXX  in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on  XX/XX/XXXX, and a guarantee of {$XXXX} XXXX  in potential losses at the company. ] What a dishonorable company, in my opinion, to receive US government largesse and then not work to accommodate their loyal customers. Shame on BoA!

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