BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I missed a payment. I contacted Bank of America and was granted 6 months to bring my account current. I paid additional with my regular payments. In XX/XX/XXXX I contacted the bank for the amount to bring my account current. Their amount didn't match what I believed the amount should be. Reviewing my payments, I discovered instead of posting an amount to my past due the bank posted to additional principal. I requested by phone this error be corrected. I was assured the posting was corrected. I was given an amount which matched what I showed would bring my account current. I paid this amount with my XX/XX/XXXX payment I made the XXXX and XXXX payments and my account online showed current. The bank then reposted my XXXX and XX/XX/XXXX payments and showed my account past due. I was unable to make my XX/XX/XXXX payment online. I went to the bank in person. The teller told me they could not accept my payment. They accepted my payment when I requested they write " refused payment '' on my check. This amount is showing as " unapplied ' and Bank of America shows I am past due for my XX/XX/XXXX payment although the check has cleared my bank. The incorrect posting to principal has never been corrected. I have sent B of A a copy of the payments that cleared my bank several times. I have requested all contact be done in writing so I would have proof I have tried to get this problem corrected. I was contacted by phone and I requested I only be contacted in writing. On XX/XX/XXXX, Bank of America called me. On XX/XX/XXXX they called 3 times and two more calls on XX/XX/XXXX. I am now being harassed by Bank of America. I have sent them copies of the payment that cleared my bank as well as where the payment should have been applied vs where they applied them and requested the correct the way my payments were posted

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 2022-10-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new issue since tax time just started! We have been working with company and things are getting no better! Now we have received our XXXX Mortgage interest form and it is wrong missing the correct amount of interest paid to bank as well as buy down being incorrect and more! They have charged for buy down in a loan which ended in XXXX if XXXX yet they charged for the whole months ( XXXX ) rather than XXXX at the most at {$130.00} per month! They have also not reported the payments made to XXXX in which interest was once again charged and more to. There number sis off by $ XXXX to say the lease! We have requested since XX/XX/XXXX that they send out a corrected copy and not produce false information to the IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: National Credit Systems,Inc.
State: FL
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:
In XXXX/XX/XX/2019, not sure of the exact date. I called and spoke to the law office that was assigned by National Credit Systems for a XXXX XXXX account. When i called in the representative for the law office provided account details and tried to collect on this debt before they provided the mini miranda which is required by law. It wasnt until i mentioned this about 5 mins into the call where they tried to recite it. They stated many times " Good Luck with your housing '' knowing this was on my credit .... Due to the Violation of the FDCPA by not reciting the Mini Miranda. They need to close and remove this account from all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 Experian - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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 2023-03-03
Company: EQUIFAX, INC.
State: MI
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 Equifax, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from clinical trial participation when I presented it along with my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 at approximately XXXX, i tried to use my debit card to make an online purchase and received a insufficient fund on the website.I then contacted bank of america and was informed that after careful consideration my account was closed.My account was farely new and didnt get to enjoy the full benefits of my account.I also didnt receive the {$250.00} dollars that is being promoted for opening a checking account.I had two deposits made into my account and not once did i ever get the chance to spend my money.I dont understand how this bank is still able to make financial decisions, when clearly theyre in competent of understanding the needs of consumers. 
I spoke with a customer service representative by the name of XXXX XXXX who informed me that a cashiers check would be mailed to me with my remaining balance and i asked if i can pickup the money at the bank.I was then told she had to put in a request and wait for headquarters to follow up.I was informed it would only take 3 days. 

Today XX/XX/2020, i called account closing to follow up with my request and was told there wasnt a decision yet to be made on my account.I was then told to call next week and They would have an answer for me.I asked to speak with the supervisor by the name of XXXX, who didnt care what so ever about the money they are holding hostage from me.I was never informed as to why my ccount was closed and was told its based on bank of america policy they can close my account at anytime given.Ive never had a problem banking at any bank until i signed up for this account.Im truly disappointed with Bank Of Americas actions and would like my XXXX credited to me ASAP.

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 2021-08-05
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A communication was hand delivered to me with information that my home is scheduled for a sheriff sale on the XXXX of XXXX, XXXX. I am current on a mortgage that was modified by XXXX  XXXX XXXX since XXXX. I was in the process of refinancing my loan to a better rate and found out that there is a second lien on my home and is requesting an unpaid balance of about XXXX. My loan was bounced around to few servicers and ended up with XXXX  XXXX XXXX. I do not understand why the information on the second lien was not fed to me during the modification period? The purpose of the modification program was to help home owners keep their homes, but not giving consumers the totality of deal defeats the purpose of the program in the first place. My loan was in two parts, a first and a second ( 80 % and 20 % ). XXXX  XXXX XXXX modified the 80 % and left the 20 %. I was of the understanding that once I kept up the modification agreement, my home was safe. Now after paying the agreed amount from the modification agreement from XXXX to present, I am told that my home is going into foreclosure. I think it was unfair to modify my loan without mentioning the second lien, or why would the original holder of my loan turn over one part of my loan to a different company and not the other as well? They are now requesting XXXX, XXXX which includes lawyers fees and unpaid balance. The original loan was for about 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 2021-02-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried explaining to them that I didn't owe any money to them. I'm XXXX by birth with XXXX  XXXX  and never worked due to my XXXX. Tried telling them that someone impersonated me and used my name, social security info, and my house address to get money from credit cards as cashiers checks. I've been identity theft by some unknown people or person. Please I humbly request for your help finding the culprit and fixing my credit history. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act Convergent Account above 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 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-01-29
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received one mysterious email from IC system to click on a link regarding a debt. The link didn't work and I assumed it was spam or a scam. They sent another. Same thing. The below information is all I have so number. Nothing in the mail, nothing tangible and no calls. This company is either a scam or if legit not handling things properly. It says a XXXX account yet I have not had XXXX since switching services last XXXX of 2021 and my bill was paid in full and I have an email from the escalation team bringing my balance to XXXX. Even when I called them the number always states nobody is available. 

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 2018-08-08
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.

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