BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: SAMC Honebee TRS, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have my mortgage with GMFS, serviced by XXXX XXXX XXXX XXXX. I have had continuous problems over the past several months. On XX/XX/2020 I inquired through their web portal about any assistance being offered during the COVID-19 pandemic. I received a response back on XX/XX/2020 advising me of the terms and conditions of a forbearance program and that my account may be eligible. After reviewing the terms and conditions I responded back via the web portal on XX/XX/2020 advising I would not be interested in taking advantage of the forbearance. On XX/XX/2020 I received a response from XXXX XXXX XXXX advising a request had been put in to stop the forbearance. 
I made my payment as scheduled for XXXX ; however, I received a robocall within a couple of days advising my forbearance had been approved. I signed on and noticed the payment I made did not apply towards my monthly payments ; however, to unidentified funds. I sent yet another response on XX/XX/2020 advising them I declined the forbearance and I would like my payment corrected. On XX/XX/XXXX I received a response back stating the cancellation was put in on XX/XX/XXXX for forbearance and that my payment would be applied correctly. Keep in mind, I never authorized this forbearance. At this point I assumed all would be well. The exact same thing happened for XXXX and XXXX. After speaking with a supervisor ( I do not remember the date ) I was advised my account did go through the full three months of forbearance ; however, all payments were posted accordingly. I did have to write in and/or call every month to have my payments corrected. It got so bad that I had one associate tell me over the phone that I had only made a partial payment. All of this was eventually straightened out. After all this is said and done, I now have a forbearance on my record with this company and that is not fair. I specifically said I do not want it. Also, I have tried to set up ACH for the past two months. To this day, I keep getting denial letters for ACH because my account is in " Forbearance ''. Once again, this is unfair, as I now don't have something available to me that other customers have available to them, especially when the account should have never been in forbearance. I have spoken with two associates regarding this and they could not give me a reason as to why the ACH is getting kicked back for forbearance. The management team does not make themselves readily available for escalated situations rather you have to wait on them to call you whenever they have free time. 
I feel as though I am stuck. I can not easily go out and refinance my house as that usually cost a nice chunk of money out of pocket ; therefore, I have to be subjected to the poor service and having things on my record I didn't ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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:
When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: PA
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 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 2020-07-13
Company: Experian Information Solutions Inc.
State: TX
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/2020 I submitted a written 609 complaint to Experian regarding 2 collection accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AFTER I had been disputing with EXPERIAN regarding the same collections, which had been removed from my account ... .now under the new names listed above. 

XX/XX/2020 I received an email from Experian regarding their investigation which ( Experian stated ) came back verified as my account XX/XX/2020 I sent a 623 letter to XXXX XXXX regarding the alleged debt XX/XX/2020 I sent a " second '' request to Experian in a 611 letter with no reply XX/XX/2020 I receive a letter from XXXX XXXX stating that there is NO ACCOUNT BELONGING to me and per XXXX XXXX " A REQUEST HAS BEEN MADE TO REMOVE THE INFORMATION FROM MY REPORT '' On XX/XX/XXXX I receive the most ridiculous reply from Experian and I quote : It didn't " appear '' that I was the one disputing '' so they ( Experian ) decided to do nothing, meanwhile my credit is taking a nose dive due to inaccurate reporting.

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 2022-12-04
Company: EQUIFAX, INC.
State: VA
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 an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
HSBC doesn't want to resolve the fraud charges on my account XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This card was payed off in XX/XX/XXXX and then someone made purchase s on it in XX/XX/XXXX and then defaulted on it in XX/XX/XXXX and I wasn't aware of these fradulent charges till recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Snow and Sauerteig LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Received a letter from Snow & Sauerteig LLP stating that I owe {$330.00} to XXXX XXXX XXXX dated XX/XX/XXXX 2. I issued a letter dated XX/XX/XXXX contesting the validity of the debt 3. Snow and Sauerteig LLP received letter on XX/XX/XXXX 4. Tried to contact them on XX/XX/XXXX seeing if the have gotten said letter. Got answering machine I issued a letter contesting the validity of the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is less than 80 % XXXX based on the appraised value my present loan to value based on the last appraisal is 69.3 %. Which is loan amount XXXX appraisal value XXXX. The appraisal value was done less than six months ago but the request to take off the pmi was denied. Even though I meet the specifications and am not suppose to have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Chase is reporting me late for the month of XX/XX/XXXX. This is a complete error and violation to my FCRA rights. I have attached a screenshot of the late payment reporting on my report. 
I have also attached my Chase credit card statements for the month of XXXX, XXXX and XX/XX/XXXX. My payment due date on this account is the XXXX of every month. If you scroll down each statement to page 2 or 3 under " Payments and other credits '', you'll see that I have made a payment on time for XXXX, XXXX and XX/XX/XXXX. Here are the exact dates I made the payment as stated on my statement attached : XXXX : payment of {$78.00} made on XX/XX/XXXX XXXX : Payment of {$110.00} made on XX/XX/XXXX XXXX : Payment of {$150.00} made on XX/XX/XXXX The late payment that Chase is reporting is inaccurate and is causing a lot of financial damage to me and my family. Please delete this late payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX  CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: VA
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 card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " 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 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 2018-10-22
Company: CITIBANK, N.A.
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:
There is a new hard inquiry on my credit report from CitiBank for an automotive loan that I did not initiate. 
I called CitiBank to dispute and was told they do not have an auto loan dept and would not have pulled my credit. They also stated they could not tell me who did because I do not have an account with them.

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 2023-07-04
Company: EQUIFAX, INC.
State: PA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Equifax, XXXX XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX  XXXX XXXX Account Number XXXX, First XXXX XXXX- Account Number XXXX, XXXX XXXX- Account Number XXXX, XXXX XXXX XXXX- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation.

I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of XXXX XXXX XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have tried twice to transfer money from my account at Bank of America to my account in XXXX. The transfer was first confirmed by BoA, then canceld. When I tried to figure out why, the BoA can't or won't tell. They say they have no information. However, I have no other oportunity to receive the money since I no longer live in the US and I need the have the money in XXXX. 

How can I get the BoA to transfer the money?

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 2017-12-14
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MOHELA
State: DC
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:
My student loan service provider is MOHELA. They have managed my account since XXXX. I don't recall who was managing my account prior to XXXX. I am currently enrolled in the XXXX program. I graduated from XXXX in XXXX. I graduated from grad school in XXXX. At some point after grad school, before XXXX, I consolidated my XXXX and grad federal loans into XXXX balance. I have been making student loan payments since XXXX, with some forbearance pauses due to periodic unemployment. 

I have been trying, for the last 7 months, to get an accurate list of all the payments I have made on my student loans since XXXX. I have called and written MOHELA at least a half dozen times to get this information but when they eventually provide it, they are only able to provide information dating back to XXXX, when they took over my account. It appears they may have no records of my student loan payments prior to their taking over my loan ( which I had no control over ). 

I tried calling the US Department of Education after not getting satisfactory answers from MOHELA. They simply sent me back to MOHELA. I am very concerned that records have been lost of my payments and that I may qualify for loan forgiveness under the income-based borrower programs but may have that forgiveness unnecessarily lengthened due to lost / incomplete records.

Please, can you help me get the information I am looking for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'M IN THE PROCESSED OF REFINANCING MY HOME AND WAS TOLD THAT A COLLECTION ACCOUNT WAS APPEARING ON MY CREDIT REPORT THAT MUST BE LINKED TO MY IDENTITY THEFT CASE FROM SEVERAL YEARS AGO BECAUSE I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.

Company response to consumer: Closed with explanation