BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I began the loan modification process after the COVID 19 forbearance and had all of my documents submitted to Lakeview Loan Servicing  ( XXXX ) by XX/XX/2021. They sent notification that our file was complete and was assigned to an underwriter on XX/XX/2021, stating that they would have a decision on our account within 30 days. Today, XX/XX/2021, I am STILL waiting to hear ANYTHING. It's been in this same status now for 75 days. I call and email them frequently and have gotten nowhere. They either just say they are working on it but have no further information nor have an estimated date of completion. When I email, I simply receive no response. Whenever I ask for a manager, I get sent to a generic voicemail box that asks for an extension ( which I don't have, nor have they given me ) or I leave a message and nobody ever calls me back. I'm trying my hardest to get this loan current so I can make a payment. My husband moved to XXXX  from XXXX XXXX  State for work during the pandemic. Now we are trying to purchase a home in XXXX but can't procure a mortgage while this loan is still in this status. We need this loan modification to be completed so we can make three trial payments and at that point, underwriting on our new XXXX  mortgage will proceed with our loan. Until then, we are unable to move forward with anything. We've placed a non refundable deposit on the new home and are fearing losing that money while XXXX drags their feet completing this loan modification. I don't understand how this is taking so long when we are TRYING TO PAY. Please please please, any help you can provide is so appreciated. I want this to be over so we can move forward in life. This has been exceptionally stressful.

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 2023-04-26
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:
This complaint will serve as a follow-up to my earlier complaints dated XX/XX/XXXX, to make sure that the following items are thoroughly validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company : XXXX XXXX -I have two accounts with this company. 
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company. 

My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.

Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet. 

Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is 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 2019-04-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After receiving a debit card for my personal checking account at BMO Harris bank, I proceded to call the activation number that was provided. Upon calling the number, I was transfered to a, I agent who said that in order to activate my debit card, I was to fax or send a notorized copy of my driver 's license, front and back, include the notory address, phone number and license and include a contact phone number for myself. I told her that usually I activate my cards by just dialing the actvation number and entering my card number. She said that this was the only way I could activate my card. I asked for a supervisor and I was referred to a XXXX XXXX who told me that after submitting all this info I would be sent a text to my contact number where I would be given a code that I would confirm and then she would call me back with a decision at some time. I told her this was rediculous and that I would fax the information to her. After faxing a notorized copy of my driver 's license with the other info she requested I waited for her text. After two hours of faxing the info with no response, I recalled the activation center. They told me that she was not available. When I called a third time I was told she was busy. Finally, after a third time calling the said she went home. This was about XXXX XXXX pacific time. The next day I called again and was told they had not received the fax yet. I have a copy of the transmission and it said fax was successful. On Sunday, XX/XX/19 I called 3 times to activate my card and was abruptly disconnected by them after entering my card number. Because I needed to use funds in my account to pay my bills, I decided to drive from my home in XXXX XXXX county to XXXX, Arizona the neareast location to me. That drive took approximately 10 hours round trip {$100.00} of gas. I also missed a day of work.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
TransUnion has not been responding to my requests to remove harmful information to my credit report and this seems to be my only option at this point. I have been attempting to update my current address and eliminate other addresses that are not associated with my consumer report. The original document was sent out on XX/XX/2023 to be received within 5-10 business days of that letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently notified TransUnion that I am a victim of identity theft. Transunion responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.

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 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a complaint regarding the repeated ineffectiveness of the Bill Pay system of Bank of America. This details an incident on XX/XX/XXXX XXXX bank accounts were closed ; however this also shut down the bill pay system, despite the bill pay being linked to an external account that had nothing to do with this. We were charged 2 {$39.00} late fees to two of our accounts. 

This is not the first time this will happened. Previous attempts to speak with the company ( last in XXXX ) would simply result in a individual redirecting us to another phone number -- no more useful than another website. Not once would they ever find anyone with any authority to make changes to the account to settle on the matter. 

They have repeatedly charge late fees since XX/XX/XXXX due to these failures.

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 2023-08-16
Company: EQUIFAX, 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:
EQUIFAX is in non-compliance and illegally reporting Inaccurate false information About me the following alleged account is listed as collection XXXX XXXX XXXX in the amount of {$530.00} And is updated With past due balances and an open account As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citizens had a promotion where you could open a new checking account and savings account and earn {$600.00} if {$500.00} or more was wired to the checking account via direct deposit within XXXX days and the savings account had a certain balance within XXXX  days. I satisfied all the criteria, but only recieved {$300.00}. The first time I called they said the other {$300.00} would be coming soon I just had to wait. The next time I called they said I did not satisfy the checking account requirement, I told them that I did and they said okay one moment just need to transfer you, which never actually happened I just waited on hold for XXXX minutes before finally hanging up. The next time I called they said it was because I didn't satisfy the savings account requirement. I just transferred all my funds out of citizens to close my accounts. Each phone call is a guess and check game of what buttons I need to press to speak to an actual person and they're always experience higher than average wait times ... expect a XXXX minute wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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 explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: IN
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 disputed several inaccurate accounts with Experian, XXXX  and XXXX  that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and Experian & XXXX repeatedly says this account is verified and accurate! 
( XXXX  did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Experian of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with Experian, XXXX  & XXXX   on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!

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 2019-03-13
Company: BB&T CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
I received a check from BB & T datedXX/XX/2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted BB & T to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by BB & T to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with BB & T and the owner, I have finally reached my limits. I later learned from BB & T that they put a stopped payment on the check but was never told why. BB & T did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a BB & T branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by BB & T. I was told by a BB & T rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in BB & T and just want the XXXX refunded back to 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 2022-07-15
Company: Experian Information Solutions Inc.
State: WA
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:
today I was alerted by all the credit bureaus of XXXX false inquiries on all my credit reports i have already filed with identity theft.gov I will upload a copy of the report as well as a result my credit score was decreased in abundance from something I didn't do my self as well as all the credit bureaus violating my rights which in turn hurt my credit score In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 2023-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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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