BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
B of A made an offer for consumer rewards if I took out credit cards with them. As soon as I was approved they told me they were closing my account and were not granting the consumer points or credit they offered. I paid off the credit cards and now their sending statements that I have a balance for which they will charge interest. When I called B of A there Personnel were unable to tell me when or why they closed my account or how they were calculating a credit balance despite my having already paid it off. Their customer service representatives sent me to their credit collections where the person treated me like I owed them money.

I paid off all balances and was denied the consumer rewards offered when I opened the two cards This is consumer fraud And B of A is not answering my inquiries, rather they are treating me like I am a debtor

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 2019-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in and XXXX XXXX XXXX XXXX XXXX  in XXXX California. The Thomas Fire XXXX XXXX - XXXX ) destroyed many homes and businesses in the XXXX area. Because of that fire many people lost their homes and had to move out of the area. This seriously affected my business because I lost a large number of clients. Then after years of drought, we had heavy rains in XXXX. Because the landscape was gone, the area suffered severe flooding. Those people who hadn't lost their homes in the fire, lost them due to flooding and mudslides. Again, I lost clients due to these natural disasters and I was not earning as much money as before. Also, my business was damaged by the fire and the flooding. 
I tried to modify my loan with XXXX  but they only offered me a repayment plan that had payments much higher than I was previously paying. On top of that it had a balloon payment at the end of the repayment plan. My business has still not recovered from this loss and I can not afford the high monthly payments XXXX   offered and I certainly can not afford a balloon payment at the end of the repayment plan term. I am afraid of losing my home. I missed payments because of my reduced income and XXXX  does not seem to care that some of the worst natural disasters in California history affected me personally. 
I am lucky my home was not destroyed but between losing my clients and some damage to my place of business I am not earning what I had in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ID Analytics, Inc.
State: KS
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:
I monitor my credit as I am rebuilding my credit to purchase a home in the near future. Over the past month XX/XX/2019 SageStream LLC who now proclaims to be one of the 3 major credit reporting bureau 's has been shown on my credit reports, conducting a hard inquiry when I have not authorized them moreso ever heard of this company to apply for anything from them. Furthermore as I explained to several representatives at Sagestream is that, XXXX, XXXX, and XXXX  doesn't practice any of these unlawful acts, showing they're a third party creditor who is making continuous hard inquiries without consent, without cause, and more importantly damaging the consumers credit. Last but not least, sagestream was damaging to my reputation, provided false information regarding my real average credit score that ultimately cost me time and money. Sagestream stated publicly my credit score was 206 points lower than what XXXX, XXXX, and XXXX  had reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
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 and confidentiality under 15 U.S.C 1681. 
XXXX : Account Number XXXX, XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, has violated my rights. 15 U.S.C 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. ADDRESSES not mine. 
XXXX XXXX XXXX XXXX, XXXX, La XXXX, XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX .

15 U.S.C. 1682 Section-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. 
INQUIRIES : 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. 
15 U.S.C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1666 ( b ) : A creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-08-14
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
i filed chapter XXXX bk XX/XX/XXXX and have a charged off discover card balance on my credit report as of XX/XX/XXXXprior to my bk XXXX filing i have sent XXXX  proof of bk XXXX filing numerous times and they and discover refuse to remove from credit report when XXXX  and XXXX  have removed the debt without question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to XXXX and Equifax. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both XXXX and Equifax making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, XXXX, or Equifax after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX and Equifax on 2 separate occasions. 
1st and 2nd letters to XXXX and Equifax were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Siggi LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The debt was charged off in XXXX of 2019. They have continued to charge me interest on this account without submitting monthly statements to me. I have intentions of paying off the original balance that was charged off, but they should only be charging interest if they are legally allowed to and legally sending me monthly statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: TN
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 asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

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 2021-02-25
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander Consumer USA has reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as late which in correct. I have attempted multiple times to rectify this with Santander and they refuse to look into my complaints. Instead they have told me it is " not their problem '' and to " take it up with the credit bureau ''. They have done this multiple times and I have seen there are multiple other customers of theirs that they have reported incorrect payment information on. My only other option is to pay someone to report to the bureaus for me because I do not have the time or capacity to do so. It is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan lender is making it impossible to pay off my student loans before interest resumed. 

I made several online payments that did not go through. My bank said the issue was not on their end. Ed Financial could not provide me with an explanation as to why the payments were not working online.

I wanted to pay the balance off before the interest resumed. So I mailed a cashiers check. The check included my full name, account number, and social security number. The check was chased according to my Bank by Ed Financial on XX/XX/2023 and as of XX/XX/2023 the check still has not been applied to my account. 

I reached out to Ed financial and they claim they lost the check and can not find it. I sent them a copy of the cashed check. They still will not apply it to my account balance.

My loan is now incurring interest after 2 months of trying over and over again to pay it off. They still can not find the check that they cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Rocket mortgage failed to consider a canceled debt in the refinance process and had us pay a debt that was canceled and provided to them as well as failed to remove several of the creditors under there refinance team. As well as when we applied for a forbearance they made us sign refinance documents within the year raising the cost of mortgage due to a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at Experians own glossary! 

They are breaking the law again!

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 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My XX/XX/20 Heloc Bank of America statement is incorrect. 

The Total Principal Balance of {$64000.00} is overstated by {$4300.00}. Using the Bank 's statement Beginning Balance and applying all the transaction detail provided, the correct Total Principal Balance is {$60000.00}. 

Bank of America is fraudulently claiming an excessive amount over what is actually due. 

Bank of America claims an amount past due of {$220.00}. The {$220.00} due was paid timely on XX/XX/20 with good funds. 

Bank of America is fraudulently claiming a Minimum Payment Due of  {$450.00} which is overstated by {$220.00}.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-05-20
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We filed an insurance claim to fix our roof XX/XX/2021. Our insurance company spoke with our contractor and sent the check. The check is a three party check made out to me, my husband and the mortgage company. We contacted the mortgage company regarding the process. We endorsed the check and sent it to our mortgage company via Priority mail with tracking. The check took 2 days to arrive to the mortgage company. Included was the contractor 's signed paperwork and the insurance paperwork. I gave them a 2 week turn around time. Today is XX/XX/XXXX, over a month later and we still have not received the funds back from the mortgage company to pay the contractor. 

The check is in our escrow account. When I call, the customer service is poor, I stay on hold for over 30 minutes. Every rep that I've spoken to says someone will call me back or they will escalate. It has rained and our roof is substaining more damage and the gutters were torn off from the storm so the appearance of the roof is awful as well. The delay is totally unacceptable. Today I was told they had system errors and I would just have to wait. No Freedom Mortgage I will not just watch my property decline and just wait!

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion and XXXX  are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.

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 2019-03-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX equifax had a data breach and my info was one of the compromised ones. On there website it said everyone was notified about it and what to do, I was not! It wasn't until XX/XX/XXXX that I knew anything about it by coming across the breach on their website and using the checker they had on there. A whole 2 yrs later this is unacceptable no telling what has been done with my info! I want retribution and compensation from equifax for dropping the ball and just letting my information be out there and not notifying about it. No wonder I cant access my credit report from them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Lenders took over my mortgage from RP Funding, basically the same company, but clearly not run equally, on XX/XX/XXXX. I sent my insurance renewal to them to ensure they had it, as it is paid through my escrow on XX/XX/XXXX. No response was received to that email. I received a notice from my insurance that it still wasn't paid and threatening to cancel me. I immediately reached out on XX/XX/XXXX, but could not reach a live person and had to email again. The response was inappropriate and wrong! They said they had plenty of time to pay the insurance. I received a cancellation letter from my insurance and immediately emailed them on XX/XX/XXXX and still have not heard back from them! They are a fiscally irresponsible company and should be banned from dealing with anyone 's funds, including loans, as they are willfully negligent! Is my insurance going to go up now? It's hard to find coverage in Florida! What will happen during tax time, will they delay again and not pay early for my discounted price? They need to be held responsible, this is criminal! Please help! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation