BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX ; Experian and XXXX  are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX  did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX  as well as the bureaus to fix my credit report however, I have not been successful.

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 2023-01-21
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX. XXXX, 2022. SPRING OAKS CAPITAL LLC OPENED A COLLECTION. 
Account -- {$880.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
The minimum payment amount for my credit card changed without notification which meant that my scheduled payment did not suffice the minimum. I was then charged a late fee for payment and my minimum payment increased again, I assume because of this " late payment '', all without notification. The late fee pushed my balance over my credit limit and the insufficient payment meant my credit score was affected by the " delinquency ''. During this time, before was aware of this situation, I applied for a personal loan to consolidate this credit card debt to get a better interest rate and stable monthly payment, which would make it easier for me to pay off the debt quickly, and was denied because of this " delinquent payment '' which I don't have any other history of, to my knowledge. Bank of America does not offer a function which allows for you to just always pay the minimum, whatever that may be each month, therefore making their automatic bill payment function basically useless. Also, the late fee I was charged without being notified, which would have allowed me to rectify the payment amount, was more than my minimum payment had been. If they had simply notified me of the increased minimum payment amount I could have covered it and avoided all of 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} This complaint is my follow-up in line with my prior complaints

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 2018-02-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Bank of America closed account Attention : XXXX XXXX Bank of America General Global Counsel. 
XXXX This horrible bank will not take my calls, ignores my request and when I log in states of you having problems making payments we are here for you and the statements which are complete banking violations and false! This is the one of many complaints Ive made. I was threatened if I went into a bank I would be arrested! I am not allowed to call Bank of America and no one will take my calls. Do I XXXX to go to an Attorney who took Bank of America to court or arbitration and take my case Pro bono. This is illegal to threaten me and not assist! This account t was closed by BOA and still charging me excessive fees and interest and asked to have zero interest and make smaller payments. I paid and kept the payments on time and have the nerve to charge {$36.00} late fee for one day late. Have another persons bank account on my profile. I reported as fraud to the State Attorney General and OCC since its a broker account that is not mine! I have asked so many time with proof in emails and ignored. I am dealing with incompetence and they simply keep closing out my complaints stating duplicate. This and my other complaints will go to an Attorney after this and this behavior and banking violations will not be tolerated. I am not an animal and will not be treated as such as this seems to be a personal vendetta against me. If you want to take this to legal please have XXXX XXXX reach out to me to proceed. If you think you can ignore and I am going away. I am not and will go every high official because I have done nothing wrong XXXX The worst kind of people at BOA and tired of being threatened! Not to contact your bank. Will not speak to me on the phone for assistance Law suit! For damages and mental stress, intimidation along with violating my rights a day banking laws. I have an unpaid balance which I am trying to pay properly and asking for assistance and stop violating my rights! When I called in prior my account was blocked and the games customer service played. All my calls were recorded with many emails to show my complaints. Horrible bank and very abusive.

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 2019-10-31
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Almost every day they call around XXXX. They use my wifes number to contact me and I have no idea how they got it. I have repeatedly told them to stop calling me but it doesnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with transunion and 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 2018-09-22
Company: AES/PHEAA
State: PA
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:
I completed 120 payments to fulfill my Public Service Loan Forgiveness Program this year. I received a letter on XX/XX/XXXX from XXXX XXXX that was consistent with previous letters and indicated that I had 2 remaining payments and that I would complete my 120th payment in XXXX. I then received another letter on XX/XX/XXXX, now indicating that I had 4 payments remaining and that my final payment would be in XXXX. I immediately called to dispute this as I noticed I was now being credited two payments less from XX/XX/XXXX through XX/XX/XXXX. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I did call however ask for a review. Then on XX/XX/XXXX, I received a letter indicating that I still owed 4 payments and now their was 1 more payment from XX/XX/XXXX to XX/XX/XXXX, but one less from XX/XX/XXXX to XX/XX/XXXX than the previous letter. I called again questioning further discrepancies and wanted an explanation. After a lot of rudeness and talking over me, a representative indicated that two of the payments weren't credited. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I asked for another review. After speaking with this rude rep, my problem got worse. I received a letter on XXXX now indicating that I owed an additional 34 payments and that I would not be done until XX/XX/XXXX. I went from 2 to 34 payments remaining in 2 months. I submitted my request for loan forgiveness and requested forbearance to give them time to review and correct so that I wouldn't have to keep paying in XXXX. I was denied quickly on XX/XX/XXXX. I was frustrated and upset and I spoke with XXXX on XX/XX/XXXX. She indicated that she was requesting a manual review and that it would take 60 days. She said I should follow up in XXXX. After not hearing anything I contacted XXXX on XXXX. He said he saw that problem was that my account was placed in Pre Pay Status. He said he entered a request to remove it would expedite a request to have a manual review. Again, this would take 30-60 days. After not hearing any news and receiving notice that my forbearance was over and payments would continue, I contacted XXXX on XX/XX/XXXX to follow up on the status. He said he would again request a manual review and that the Department of Treasury has to review the payments. He would not provide me a timeframe. Please assist me as my account has been severely mismanaged and I have not received good customer service and follow through from the loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
How it started ... .. 
I have questions regarding my mortgage ( non escrowed ) account. Ditech established an escrow account by paying a school tax early XX/XX/XXXX - {$570.00}. I have always paid those taxes at the same time every year and never had an escrow during the duration of this loan. After the Escrow was added, I was told I could remove the Escrow by paying the balance of the Escrow ( plus tax and fees ) and drafting a letter stating the request to remove the Escrow. The Escrow payment was made, then I received a letter stating I had an Escrow Surplus and Ditech returned money via a check. I have had over 12 different account managers during the process of attempting to remove the Escrow, and received numerous denials citing " payments have been 30 days late '' or " Funds have been advanced on your behalf ... '' after being assured that the last money pay off the Escrow could be Reallocated and removing the Escrow would not be a problem. I have appealed the denials several times.

My Problem ... I need an Audit of my account.

I believe my payments are being applied to a different account. After GreenTree changed to Ditech my payments have been shown as delinquent by the Ditech computer system. Even though I submit an electronic payment and it is received and posted to my bank account Ditech sends a delinquent letter.

Ditech will not allow me to remove the Escrow. I have never been late in the last year. I was granted a Forbearance due to Hurricane Harvey, and continued to make timely payments to my mortgage. Ditech also added other fees which I paid in full so that I could remove the Escrow.

I need a dedicated Ditech Account manager for the duration of the loan and I need to pay off the mortgage asap because Ditech has been the worse and most stressful experience of my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX and Experian, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ERC
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:
i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
{$13000.00} was debited from my checking account TWICE by Bank of America to pay my card balance in full - once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX to have the excess payment of nearly {$14000.00} refunded to me they told me it would be 5-7 business days because it was such a large amount. That's ridiculous, but I was willing to deal with the policy. When I called again on XX/XX/XXXX to check on the status, they again said it would be 5-7 business days. I confirmed that this meant it should be refunded by XX/XX/XXXX, and they concurred. 

On XX/XX/XXXX it had still not been refunded to me. When I called again, they then stated that instead of the original 5-7 days, it would now take 10-15 days because the amount was so large. It does not take 10-15 days for funds to be credited in the current electronic banking environment. When they mistakenly took an additional {$200.00} dollars out of my account on XX/XX/XXXX, I called the same day and the funds were back in my checking account on XX/XX/XXXX. 

Clearly it does not take 15 days to confirm receipt of funds. Keeping almost {$14000.00} of my money for 2 weeks is nothing short of 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 monetary relief
Consumer complaint received 2020-11-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: UHG, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received multiple phone calls from someone saying I will be at your door if you do not answer the phone in XXXX. 

After researching UHG I LLC, I found that a company named XXXX XXXX XXXX share the same mailing address. 

I discovered XXXX XXXX XXXX has numerous XXXX   complaints against alleging similar, if not the same exact tactics that were used toward me. 

I am under the impression that UHG I LLC ( United Holding Group ) contacted me in XXXX and violated the Fair Debt Collection Practices Act in the same manner. 

I have never done business with either of these companies and I have no debt with them. I believe the public should be made aware of their illegal communication tactics either past or present which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Have have contacted Transunion to have these inquiry that are listed on my credit report without persmissiable use that I don't not recognize and they refuse to assist me with the issue. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX 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