BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: FL
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Shellpoint Partners, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To : Consumer Finance WWW. Consumerfinance.gov Dated :  XX/XX/2020 Loan # XXXX Dear Sirs : I want to file a complaint against NewRez, XXXX, SC XXXX XXXX Escrow Department. In XX/XX/2020 I closed a VA loan with NewRez which included a tax and insurance reserve account. At that time the closing included a tax payment for the real estate taxes due on XX/XX/2020. In XXXX of 2020 I received a tax lien on the property at XXXX XXXX XXXX XXXX which is the property for the VA loan. In XX/XX/2020 I called NewRez and told them about the tax lien. FromXX/XX/2020 to XXXX of 2020 I tried to resolve this problem but got the same answer that they are working on it. I never got to speak to anyone in the Escrow Department. This was a simple mistake on their part and an easy fix but no one would communicate with me. Just same old response they are working on it. In XX/XX/2020 I was informed my property would be up for a tax sale. Consequentially I paid the taxes up and got a receipt. I have repeatedly asked to drop my escrow and will pay it myself but got no response. This cost me an extra {$250.00} estimated in late charges, fees, and someone else taxes being paid. 

I cant believe that VA and XXXX would allow a financial institution to have an escrow department and not have anybody to communicate with. I am requesting NewRez pay for my extra costs and close my tax and insurance account. Also I have applied to refinance my existing loan with NewRez at a 2.25 % interest and do not want a tax and insurance reserve account. I have numerous emails to substantiate my contacts with NewRez. 





XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep seeing a collection debt in my credit, but never received written notice of owing a certain amount.  I want this removed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: American First Finance, 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: Old information reappears or never goes away

Complaint:
AMER FST FIN LOST DURING COVID ACCOUNT SHOULD BE REMOVED I DON'T OWE THIS ACCOUNT CHARGED OFF BECAUSE OF COVID UNABLE TO PAY UNABLE TO RESOLVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NV
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 called XXXX  & equifax and told them false inquires are reporting on my credit report and they did absolutely nothing and said i must have an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: CL Holdings LLC
State: GA
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 wrote a letter to XXXX XXXX XXXX on XX/XX/2018. This letter was certified and was received on XX/XX/XXXX. This company did not respond in the 30 days allowed to respond. I received a letter from an attorney dated XX/XX/XXXX but was mail on XXXX. The company did not verify the debt but sent a letter and a bill which are not valid forms of validation. I have a copy of all items mentioned above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I went to make a purchase to XXXX and BANK OF AMAERICA canceled the transaction and placed a hold on the card alleging fraud. I called them and told them I was buying groceries for my family and they still stated the card would be placed on hold and they did not allow me to purchase my groceries. I kept calling everyday as I needed my money to buy groceries and within a few days they stated they had closed my account. My account at that time had {$1800.00}. They stated they had closed my account and that they would be sending me a letter explaining why and would mail me a check for my remaining balance. I went into a Bank of America branch in XXXX XXXX as I do not have a branch in my city. They told me I had to wait to get my check in the mail. The days passed and I kept calling and every time I would get different responses and stating their were claims submitted and that those were pending before a check would be issued. In XXXX my employer direct deposited {$300.00} to my account. I received a bank statement from Bank of America stating that as of XX/XX/XXXX my ending balance was {$1800.00} with an account that had been closed. I kept calling almost everyday to see when my check would be mailed and they stated it was pending because of claims I had made. I never made claims, all I wanted was my money. I have small children with medical needs. at one of the phone calls I made Bank of America told me on XX/XX/XXXX all your claims will close and a check will be issued. I called on XX/XX/XXXX to see if check had been issued and they told me that my account was negative and no check would be issued. How can the account be negative if it had been closed for months and no transactions were being made?

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 2018-12-29
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:
XXXX XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband and I purchased a home in XXXX through Countrywide Home Loans. Two years later, we were very close to losing our home because of the recession and being in a compromised financial situation. We had an 80/20 loan and the primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, Bank of America which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, Bank of America sent us a XXXX balance notice and we thought everything was written off due to the predatory lending that Countrywide and Bank of America were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency XXXX XXXX XXXX XXXX has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX Recorders Office. I feel hopeless. I thought that debt was taken care of by Bank of America. I have called Bank of America and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX XXXX   stating we were part of an appraisal class action lawsuit against Countrywide Home Loans. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX website and they have 13 complaints against them. I am concerned with the validity of this debt.

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 2021-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: MARINER FINANCE, LLC
State: MS
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:
i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.

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 2019-03-22
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-28
Company: Self Financial Inc.
State: WI
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:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ACCOUNT THROUGH XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as ( {$140.00} ). I have attached a copy of ( my XXXX XXXX XXXX statement that proves your balance is in correct ).

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase unilaterally closed a credit card account I have had with them for 19 years, supposedly for " inactivity. '' They assert they sent me a single letter with a 15-day " use it or lose it '' message which I never received. I was in good standing with them, never a missed or late payment in nearly two decades. I have an overall credit score in the 800 's.

Their actions risked damaging my credit score by reducing my available credit. Doing this with only a single, non-traceable letter is completely unaccepable. I spoke with their customer " service '' representative on XX/XX/20 - approximately 60 days after their unilateral action which I discovered quite by accident. I was told that " there was nothing that could be done. '' This, too, is completely unacceptable. 

Looking at the CFPB website, this kind of high-handed behavior seems to be a common occurence by Chase. It is gravely disappointing and I believe they need to address this kind of abuse of their long-term customers. I would, at a minimum, institute a process of no fewer than three letters to long-term cardholders before closing an account. While there is a cost associated with this, I am confident that it would be swiftly recouped by customers using formerly dormant cards to maintain the cards ' validity, generating fresh profits for Chase. 

I will certainly not be recommending Chase to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2022-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute with the credit bureau in regards to the account status and history as the bureau reports the account late and past due the bureau said they investigated and the information is correct refusing to revisit the item ... .the credit bureau is incorrect I have attached a letter from the creditor which confirms the account is in fact current Account Name XXXX XXXX XXXX Account number XXXX Please see attached proof and update file accordingly

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 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan modification was denied XX/XX/XXXX. I applied for modification XX/XX/XXXX and my loan number was XXXX. 

I was a victim to Bank of Americas load modification scandal. It took an application process 1 year and 7 months to reach a decision. This was due to being told I was missing a document when I wasnt and being told I had an incomplete application when I didnt. Also could not reach my loan XXXX as they would not return messages. My loan XXXX told me not to pay my mortgage because when the modification was approved the past due payments would get lumped into the modification. She said because I had a VA backed mortgage it was a certainty of approval. When we would call her we would always get her voicemail but it would have her supervisors number and we would call that and get the same thing. The only way to get her on the phone was to call from a number we had not called from prior. On XX/XX/XXXX BoA sold our mortgage that was in foreclosure to XXXX XXXX. Because of BoA tactics we lost our home, filed XXXX, and my benefit with the VA was restricted. That led to me paying more for our next home as I have a debt to the VA that was not paid back. To this day we are still feeling the effects of what BoA and their unethical and fraudulent misrepresenting has done to us.

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 2022-08-12
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regional Finance has been trying to collect a debt in the amount of XXXX. From XXXX that I never owned. I have answered the calls to let them know I never accepted their loan and they said they would send me paperwork to get a complaint filed and they never did. In addition to that, this loan was accepted while I was out of the country so it is impossible for it to have been accepted by me. Speaking with them it seems that the loans are made in the form of checks mailed then you just go cash them. The collection is affecting my credit and the calls are getting out of hand. No longer know what to do to get it removed.

Company response to consumer: Closed with explanation