BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: HARBORONE MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage lender XXXX XXXX payments and processes division started an internal process to adjust past payments made on the loan. According to XXXX XXXX this started on XX/XX/XXXX. XXXX XXXX put the full balance of payments in suspense triggering multiple phone calls to me stating my loan was past due 6 months. According to XXXX XXXX 's own statements provided to me they show the loan has always been paid in full on the XXXX of each month. 

After 2 more phone calls with managers I was told the payments and processes division was completing the transfer of the money that was in suspense and the account would accurately show it was paid in full. As of XX/XX/XXXX XXXX XXXX miscalculated the amount in suspense by an entire months payment ( XX/XX/XXXX ) thus causing the automatic billing/paymenet for XX/XX/XXXX not to process. 

Currently the account still shows past due and XXXX XXXX has stopped the automatic billing. 

This issue seems to be linked to the original violation Harbor One Mortgage made in selling this loan to 3 debt collectors. Harbor One Mortgage addressed the violation and ensured me the loan would only be serviced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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:
On XXXX, 2019, TRANS UNION RENTAL SCREE add a hard inquiries on my credit report per TransUnion.

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 2018-12-05
Company: CITIBANK, N.A.
State: IL
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 customer service

Complaint:
I have been contacting Citi Bank in regards to my Preferred Master card account ending in XXXX to resolve simple issue related to my online access. Citibank customer resolution department and other related departments were unable to assist me or resolve issue with my online account due to unprofessional customer service team. My account has been enrolled into Debt Management program since XX/XX/XXXX. I contacted Citibank numerous times and spoke a few different service representatives from different departments including customer service, collections, customer resolution, and online support departments to resolve issue with my online account access. For some reason, Citibank collection department placed a hold on my account to view my online billing statements and the only way I can view my billing statements to receive them by mail. 
I spoke to Citibank on XX/XX/XXXX, and XX/XX/XXXX and prior times about my account. Their customer service, including XXXX department located in XXXX and their representatives are very unprofessional, rude, and lack of knowledge. I spent over one hour to speak to them and I was unable to resolve the above issue. The last supervisor from XXXX department located in XXXX named XXXX advised me since account is closed and set up into repayment program, I will not have access to my online billing statements and the only way to view my statements by contacting them and request them to be mailed to my address. This is absolutely unacceptable. I have a balance on my account and I still have access to my online account since that and I'm only able to view my balance and make my payments online. However, I'm unable to view my online billing statements. Online support department advised me that collection department placed a hold on my account and my account is past due. Regardless the status of my account, I will need to have access to my account online. All my attempts to resolve this issue and other issues related to my account were unsuccessful.

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 2020-12-13
Company: EQUIFAX, INC.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ),  Equifax, XXXX, & XXXX  have not investigated or responded to disputes of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX regions bank acoount # XXXX.I was never late.The information is incorrect.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. Transunion has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.

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 2022-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I previously submitted a complaint to this agency. I was answered by the bank, however my original complaint was not addressed nor was the correct information submitted to me by the respondent. I'm submitting a new complaint to once again address the overly obsessive price of lender placed insurance from Bank of America on my loan modification. 
A representative by the Name of XXXX XXXX answered my original complaint with information that was from XXXX that had nothing to do with my XXXX loan modification for which my complaint was concerning. Im still seeking the bank to honor my XXXX loan modification and its purpose to make my home affordable. Mainly to honor its RESPA and Truth in Lending along with the GOOD Faith. Im just asking for Bank of America to be fair and honor my contract that was signed in 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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2018-01-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Their investigation did not fix an error on your report

Complaint:
I filed a proper dispute with Equifax on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX  with a dispute and request for validation on this unknown medical account as per instructions from Equifax on XXXX-18. I re-disputed to Equifax with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Equifax 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: IA
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:
On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.Cabela 's Club card issued by World foremost bank.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to Cabela 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: ZIONS BANCORPORATION
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:
I have an inquiry from Zions XXXX XXXX dated XX/XX/1974 that I do not recognize nor recall initiating. 

It is appearing on my XXXX  credit report.

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 2018-04-17
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from XXXX XXXX XXXX requesting payment of {$82.00} for services rendered at XXXX XXXX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from RMP. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

XXXX XXXX XXXX called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the XXXX XXXX XXXX letter but their information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions 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 called Experian again today to get a student loan balance taken off of my Experian Credit report. I have provided them, twice, letters showing paid in full balances for my XXXX student loans. The Experian representative was very rude, would not correct my account, let me directly send in the letters again, speak to a supervisor, and finally she hung up on me. This is unacceptable customer service

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 2019-01-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

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