BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Loan Care, goes by XXXX also. 
On XX/XX/2020, I had a fraud attempt on my bank account so XXXX XXXX made me close my checking account and open a new one. I had auto pay on my XXXX mortgage account to draft on the XXXX of every month and never missed a payment until now. XXXX XXXX told me they would honor any auto draft payments coming through the old account for 90 days. 
On XX/XX/XXXX, I went online to their website, since they will never answer the phone, and changed my address since I moved and updated my account number to the new checking account. 
By the time I received the late notice for XXXX, it was XX/XX/XXXX and I received it at my new address. I went online and saw that I needed to make XXXX payments, which I made and saw they accessed a late fee. 
I was furious, I tried to call them, left a message that was never returned and so I emailed them on XX/XX/XXXX for response. They responded and did remove the late fee on XX/XX/XXXX after I explained this was their error. I then asked if this was reported to the credit bureau and found out they did! 
I have been asking for a response to have the 30 day late removed from my report since XX/XX/XXXX and have sent several more emails since they don't answer the phone no matter what time it is. The last email from them was on XX/XX/XXXX stating they are checking into it. Their online system took the address change but didn't update my account info. 
I have NEVER had a late mortgage payment OR a 30 day mortgage late on my credit ever! 
I have heard nothing but bad things about this company and I have experienced that as well. They need to be investigated for unfair business practices and horrible customer service. They take your money, but will not help you. 
I am requesting your help with having the 30 day late removed from my credit file and as this has negatively impacted my score. I have worked very hard all my life to keep my credit score high and I am very upset that this company, due to their error, has caused me this trouble. 
Please help!

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 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I had a credit card from Bank of America, which I have been using and paying properly for over a year and the back now says than your office closed my credit card on XX/XX/XXXX of the current year. 

I wasn't advised or noticed about this situation nor the reasons why this decision was made on my credit card. 

I am requesting a review on this decision and appeal to reopen my account. I have my documents which I can provide of needed as well. 

Thanks.

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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX XXXX & Reporting to JP Morgan Chase Bank In XX/XX/2018. At the time my loan was sold I was 3 months ahead on my payment. I do this intentionally as I am a self employed person and want to be ahead on my payments. I have called and requested payment coupons twice and have still never received anything. They have told me that I was current and my next payment is due in XX/XX/XXXX. I am frustrated that they will not send me anything so that I can stay ahead of my payments. Over the last two months I have been paying interest on the principal balance. If you look at my history with my previous loan you will see that I not only pay ahead but I pay extra to keep my balance decreasing. Is there any way I can have my loan transferred back to the previous servicer? I am very displeased with the current servicer and there lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion and XXXX are showing a XXXXXXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/

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 2022-11-21
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:
I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records

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 2021-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
LETTER OF INTENT TO SUE Effective Date : XX/XX/2021 RE : Notice of Intent to File Lawsuit This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a civil lawsuit against EXPERIAN due to the following : Inaccurate and invalidated credit reporting, resulting in multiple violations under the Fair Credit Reporting Act ( 15 USC Chapter 41 ), defamation of character, publicly publishing rude and obscene language in regards to XXXX XXXX XXXX and invalidated debt without consent. 
I. The Plaintiff. XXXX XXXX XXXX ( the Plaintiff ).

II. The Defendant. EXPERIAN ( the Defendant ).

III. Settlement Demand. As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX dollars ( {$4000.00} ) due to the multiple violations committed by EXPERIAN under the FCRA, along with removal of all previously stated inaccurate accounts being reported on XXXX XXXX XXXX credit report. Notice of fault, notice of default, and an invoice have all been sent to EXPERIAN per previous certified mailings. A copy of the unpaid invoice is attached to this letter. This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for thirty ( 30 ) days from the Effective Date.

IV. Governing Law. This Letter of Intent shall be governed under the laws of the State of California and the Federal Laws of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
If legal proceedings are commenced against you and you are unsuccessful in defending the claim, you should be aware the Court may order you to pay the costs of legal proceedings.

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 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( Capital One ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX I was called and harrased to try and make a payment I could n't make. I had called in XXXX to let them know I lost my job after a good year of making payments. They said there is nothing they can do and I do n't qualify for anything. I called few days later to make not a whole payment but a partial because I had gotten some money unexpectedly. I was told me and my cosigner would stop being called 2-4 times a day. None of the calls stopped. Now they say I ca n't be taken off the calling list. This is the worst company I ever worked with. My other loans a through XXXX and they are a much better company than this scum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This isn't my personal loan and shouldn't be reporting on my file. This is a business loan remove from personal credit file. This is violating my consumer rights.

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 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my transunion and XXXX reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.

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 2020-12-29
Company: OPORTUN FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed the account credit card OPORTUN and paid the amount that I owed them later I received a statement with a late fee payment to make because they received the payment one or two days late. I told them that the mail in XXXX takes longer and I sent my payment on time, also that I got affected by the coronavirus and have no job. I paid my debt in total but now they want me to pay them more after I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.

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 2021-09-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I engaged in a consumer credit transaction for an alleged mortgage loan with XXXX XXXX  XXXX. In XXXX without my previous written consent or knowledge, I received notice that my alleged loan would now be serviced by LoanCare LLC and all payments and communication would now be with them. I did not provide consent for my personal information to be obtained and this is a violation of 18 USC 1028A. I began to receive deceptive forms and statements from LoanCare and continued to be harassed repeatedly. Although I submitted a validation of debt to LoanCare in XX/XX/XXXX, I still was hounded and harassed by them. They furnished false information on my consumer reports hindering my job seeking and eventually causing monetary losses due to additional funding needed for new living arrangements due to the false information shown.LoanCare continued to send abusing and fearful tactics until I was bamboozled into selling my domicile in XX/XX/XXXX after the continued threats.

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 2021-08-20
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was approved for a PPP loan through the SBA that was sent to my Capital One 360 Checking account on approx XX/XX/2021 and Capital One immediately froze the funds saying I wasn't eligible for a business loan and made me submit documents as proof. I submitted everything they asked for and now they will not respond to me or release the loan funds. I have been calling once a week for the past 6 months and they send me to a specific dept that and all I get is a voicemail, but nobody has EVER called me back. The loan is active through the SBA, and I only have 30 days left to apply for forgiveness, but how can I apply if I haven't used the funds??? This loan is on my credit and is public record and Capital One is taking advantage of me and soon I'll have to start paying back a loan that I NEVER got. I will start filing complaints with the SBA, the attorney general, XXXX, Federal Trade Commission and WHOEVER else I need to because what they are doing is ILLEGAL. They need to release the funds or send it back to the lender and get it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On Tuesday, XXXX XXXX at XXXX XXXX ( PST ) I spoke with representatives from XXXX XXXX XXXX at New American Funding. I called to make a payment in full for the month of XXXX for the amount of XXXX. New American Funding Refused to receive my payment in full. 

I started the process of Loan Modification in XXXX of XXXX. I was out of work for XXXX and XXXX of XXXX and had fallen behind on my payments. In XXXX of XXXX, I started making payments again, but could not catch up. It was only in XXXX that they informed me of the Loan Modification process.My application for Loan modification was completed on XX/XX/XXXX. The application is still being reviewed with the underwriter. 

I had scheduled a payment to be drafted for my account on XX/XX/XXXX, on XX/XX/XXXX. I informed the agent that I was anticipating a tax refund and would it be ok if I called before the XXXX to make an additional payment. The agent scheduled the XX/XX/XXXX payment and told me I could call whenever to make the additional payment. 

When I phoned on XX/XX/XXXX, to make an additional payment in full they refused to accept and said they could only accept {$4000.00}. I told them I was less than 90 days behind and they had to accept a payment in full, they still refused and said they were following investment guidelines. 

I understand that they misrepresented guidelines and refused a payment in full, which has created great hardship for me.I am a single mother of XXXX and I am the sole source of income for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: NRA Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-09-15
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is  clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.

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