BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
<P/>
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've requested documents to be sent to my address to verify supposed debt without success only to be met with threats of legal action and XXXX issued for my XXXX  after I've explained my current position of possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

Equifax Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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 am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts be removed because according to 15 USC 1681 I have the right to privacy. I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX bankruptcy - Public record XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All inquiries listed on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I simply want to have my Certificate of Deposit monthly Interest payments sent to the account I used to deposit the funds for the XXXX. There is no option to set that up when opening the XXXX. There is no option to do that online. I have sent messages through the app, but receive no response ( for as long as XXXX days to date ) and when contacting your customer service, I am on hold for XXXX minutes, then disconnected. You have my money, you need to also perform the basic tasks requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX, and Transunion is reporting a dismissed bankruptcy on my credit report. I received notification that the bankruptcy was removed from my credit file. After removing it, Transunion put it back on my credit report. According to the Fair Credit Reporting Act, Transunion is supposed to notify me within five business days of adding and removing anything from my credit file. Transunion has failed to do this, so I am requesting that the Bankruptcy is permanently removed from my credit file. After reviewing my Transunion credit report, I noticed that the public record does not include my name, address and either my social security number. None of this information is showing on my Transunion credit report regarding my public record, so I would like the bankruptcy to be removed. I would also like an updated credit report once this is done.

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 2022-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
XXXX Credit Bureau Portfolio Recovery Associates who submitted false debt information to the bureau as a XXXX factoring company on XX/XX/2017. XXXX has never performed a legitimate investigation since XXXX which has wrecked havoc against my attempt to obtain mortgage refinancing. I've requested from both entities for written signed documentation whereas I'm associated with the reported debt which I'm yet to received since XXXX. I've only seen the false debt which is being reported with a false payment history being associated with my SSN and DOB. I'm requesting that this false information be deleted from my credit file asap! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: LA
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  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

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 non-monetary relief
Consumer complaint received 2022-08-16
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:
Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap

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 2020-12-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX and Equifax to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX my PayPal account was hacked and 2 of my checking account are now compromised! I have XXXX for those account and they have been working with to resolve the recurring charges! 
The main problem I have no way of contacting PayPal I can't do it through their site but all my info on my PayPal has been changed and my info is gone! A few week back I got an email from PayPal that I added a new email? I tried to contact them abought this and never spoke to anyone! it is now XX/XX/XXXX I have called every day since XX/XX/XXXX except for XXXX and XXXX XXXX 's day! I get hung-up on every call! I have no way of contacting them about canceling everything! the charges keep coming!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the dates of XX/XX/2022 and XX/XX/2022 {$1600.00} was sent XXXX. This ended up being a case of 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 2022-08-11
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
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 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 16668 : 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 2021-09-10
Company: EQUIFAX, INC.
State: NV
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 and Equifax is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, Equifax data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I retrieved a copy of my credit report from your organization on XXXX XXXX and noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Neighborhood Capital Funding, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2021, my son, who is authorized to access my account, call to inquire of the PIF amount. He spoke with a " XXXX '' with Affiliate Mortgage Services. He introduced himself and made the request. He didnt easily recall my social security number but referenced a previous email whereby I authorized him to speak on my behalf and access my account. When she wouldnt provide the information, my son called me at work and connected me on three-way. 

After verifying myself, I alerted XXXX my son was authorized and she confirmed he wanted the PIF amount. We both concurred. She then said she needed to get someone else on the line to assist. 

My son and I challenged her by saying she led us to believe she was providing the information. My son spoke up and indicated she had wasted our time and that we needed the PIF amount and if she couldnt provide it the principal amount would suffice. XXXX disregarded us, misled us, was unprofessional, and merely transferred the call to the collections department. The call went to voicemail. We tried calling XXXX back and each time she sent us to her voicemail. 

My account isnt in collections. 

This agent needs immediate remediation and the company should be investigated for potential CFPB and OCC reg violations. THe agent needs to understand there is a proper way to address customers, to provide proper information, and not misled, insult, or be disrespectful.

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 2019-09-05
Company: REGIONS FINANCIAL CORPORATION
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 status incorrect

Complaint:
Region 's bank has been my bank dating back 25 years to when it was XXXX. In XXXX I took out a personal line of credit to start a business. I quickly payed off the loan and as of XX/XX/XXXX I had not used this line of credit in over 2 years. In XXXX of XXXX, I asked a rep named XXXX from the XXXX XXXX XXXX  XXXX XXXX XXXX bank to close this account for me, as it had had a XXXX  balance for the previous two years. In XXXX of XXXX, I received a letter from Region 's stating that the account was 30 days past due. This was the first and only contact that I received from the bank and it came after the account was 30 days delinquent. After investigating, I found that the account had not been closed and that a {$50.00} annual fee had been added to the account without my knowledge or authorization. This fee was the only money due on the account. I have made numerous attempts to speak with Region 's corp headquarters about this issue and even had a letter written on my behalf from the manager of the branch in question. Despite my attempts to resolve this issue, Region 's has refused to remove this mark from my credit score. As of my XXXX birthday, this is still the only late payment that has ever appeared on my credit report and I do not believe that it fairly reflects my ability and willingness to pay my debts.

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 2019-03-14
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students. 

{$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one.  XXXX XXXX, who is featured in the XXXX XXXX  segment below, shares a similar fate. 

Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders. 

Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX  XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX.  He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX. 

My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need  to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .

Company response to consumer: Closed with explanation