BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have buyers for my house. BOA is providing them with mortgage. The BOA underwriter is NOT responding to phone calls from my realtor, my attorney, buyer 's realtor, or buyer 's attorney. I need closing date this week -- because, if I don't close this week, I will lose my new/next home.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not provided me with valid verification according to my consumer rights that this account is actually mine. I have sent multiple letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting that Experian show me validation by a signed written contract that this debt is actually mine. They have to date refused to do so. I requested that Experian physically validate this information with this company without any automated XXXX system which is not fair to me as a consumer however I feel like I am being given the run around. The amount of this debt is with XXXX XXXX  and it is for {$12000.00}. To my knowledge I have not even done business with this bank so I need some one to take a look into why Experian is reporting this on my credit report with out a written contract validating this debt claim and why.

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 2023-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I find it absurd because I have always made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, is XX/XX/XXXX, and I havd had numerous issues with XXXX XXXX/XXXX XXXX, XXXX, and its Curators, Attorneys ; as well as the Loan Officers acquired by the state of Louisiana. Due to discrimination and impracticable business practices has wrongfully forceclosed on XXXX XXXX. Please be advised I review my checking account with XXXX XXXX and discovered check # XXXX was issued to Seterus on XX/XX/XXXX. Seterus was unable to locate the payment, therefore, I submitted a money order and sent the payment by certified mail. Also, I requested Seterus to disgard check # XXXX. Today, XXXX, Region Customer Service Representative, located in XXXX, Flordia informed me the check wa processed. XXXX XXXX, Seteru Representative, informed me that the processed department wasn't able to identify my information. I have reported these incidents to Louisiana OIG office ; also, I filed complaints with XXXX District Court of XXXX XXXX and the XXXX District Court of XXXX XXXX. These courts postponed the litigations. Due to these courts ; as well as the Federal Courts located in Louisiana ; I had to file bankruptcy during calendar year XX/XX/XXXX. Please contact XXXX XXXX, Bankruptcy Attorney at XXXX for additional information. During XX/XX/XXXX until present property damages occurred on real estate and automobiles in the state of Louisiana. Due to the significant financial losses I am unable to obtain an attorney. The mortgages were filed in XXXX XXXX XXXX XXXX for properties XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, XXXX, Louisiana.

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 2019-02-26
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:
I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: U.S. BANCORP
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a mortgage with US BANK and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the US bank has saw fit to remove this from MY credit history and refuses to put it back on, the XXXX  Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: AL
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2021-04-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax credit report stopped updating on XX/XX/21. It is showing no information after XX/XX/21. The report is blank. I called them and an agent tried for about and hour to solve the problem. It has been a week and no contact from Equifax to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Billing dispute for services

Complaint:
As a result of the XXXX data breach, I was trying to freeze or lock access to my credit report to prevent identity theft. After successfully doing that with XXXX, I attempted the same thing with Transunion. After completing my request and locking my report, I received an email informing me that I was being charged {$22.00} monthly. 
At no time while completing my request was I presented any costs or let alone asked to approve charges. I did provide credit card information, but it was requested in such a way that I thought it was a part of the identity verification process. 
The only way to contact Transunion is by phone. So, when I tried to contact Transunion by phone, I could not get through leaving me with no way to resolve this issue. I tried three different times. There is no email contact method offered. 
My major complaint is that the website is at best confusing and at worst deliberately misleading.

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 2019-02-26
Company: CITIBANK, N.A.
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:
I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.

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 2020-09-09
Company: HILLTOP HOLDINGS, INC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, my loan officer, said I needed to pay off my lease. I paid it off, but then she calls me on XX/XX/2020 saying I can not qualify for the loan because leases are not accepted by XXXX XXXX. 

I asked for the verbiage from XXXX XXXX, she did not give it. I asked to speak to her manager, she did not let me speak to her manager. 

She is guilty of at least incompetence, maybe outright fraud. 

I am out all the time I spent getting prepared to buy this property, including selling stock, paying for an inspection, driving and viewing the property, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ZIONS BANCORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A caller from XXXX routinely calls my cell phone attempting to solicit information related to a credit card service. I have repeatedly attempted to opt out of the calls by selecting the automated option to " opt out '' in addition to confirming that I registered my cell phone for the National Do Not Call Registry on XX/XX/2013. 

Today I received another call from this same company and selected the option to speak to a representative. When the representative answered he stated he was with Visa Credit Card Services. I informed him he was calling my cell phone and that I had previously opted out on several occasions. He responded stating " go XXXX  yourself you XXXX XXXX '' then he hung up. I called the number back and asked for his name and employer id number which he refused to provide and hung up again. 

I have contacted Visa to report this issue and was informed this caller was not affiliated with Visa Credit Card Services. Instead, Visa alleges this is a fraudulent company who has obtained Visa 's customer information and is attempting to use it for fraud activities.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I mailed a request to TransUnion LLC, informing them that I had recently been informed that there is a Bankruptcy Chapter XXXX in the file TransUnion maintains under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter # XXXX. 

I contacted the Bankruptcy Court and they stated that they do not report to nor verify information from credit bureaus. 

According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer credit file. 

TransUnion notified me that they verified the information and has not removed the information, from my file.

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 2021-01-22
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of Mr Cooper I logged on to make my mortgage payment and my account reflected that my house payment increased to {$1700.00} due XX/XX/XXXX. My mortgage payments were {$1000.00} so it increased by {$610.00}. I immediately contacted Mr Cooper and was told that due to an escrow shortage in the amount of {$6200.00} caused by previous loan servicer XXXX XXXX XXXX XXXX not charging enough money for my insurance this shortage has now " caught up '' with my mortgage. I do not understand this shortage as the loan was transferred from XXXX XXXX to NationStar Mortgage XXXX XXXX Mr Cooper XXXX on XX/XX/XXXX and response from XXXX XXXX is that my loan was in good standing on the date of the transfer with {$1100.00} in my escrow account. I am now struggling to pay these mortgage payments and request full disclosure on what Mr Cooper says is the cause as insurance was not due at the time this loan was transferred and insurance would have been the responsibility of Mr Cooper. I've not been notified that I had an escrow shortage nor that my payments would go up as I only discovered this when I logged online to make my monthly payment. I have inquired via email several times to Mr Cooper and have not received a written response to this issue as I only have notes I took during my phone conversation on XX/XX/XXXX as to the reason for this increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
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 attached an FTC report with fraudulent unauthorized inquiries

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 2021-04-12
Company: SYNCHRONY FINANCIAL
State: CA
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:
XX/XX/2021 I late for a credit card payment and when I had enough to pay on XX/XX/XXXX I submitted to pay but the computer took more than what it is programmed to do. custumer service represntatives said 2 days but more than two had passed but 4 days. XXXX Credit Card by Synchony

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: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Written multiple letters to the creditor and I never received a response nor a copy of any documents supporting that the amount stated was owed by 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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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 XXXX account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights,15 U.S.C.1681 section 602 A states that I have a right to my privacy. 1 5 U.S.C. 1681 section 602 A section 2 states a consumer reporting company can not furnish an account without my written instructions which I have never given.

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 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX. 

Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc . 

I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt. 

I specifically requested the date of the alleged medical services, the  name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts. 

Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc. 

As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts.

Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc.

I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 response to consumer: Closed with explanation