BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : 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 2017-11-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Credit Adjusters Have called 3 times now since I had a credit app ran for a new place to live. This is the only way they have gotten my work number since I have n't applied for anything using that work number. They were told each time that it was a place of business not my personal phone number and if they needed to inform me of anything to send it in writing to my address ( since they got my work number they should also have that ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: ALLY FINANCIAL 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:
three inaccurate and fraud accounts have bee reporting under my XXXX credit reports, these i have been disputing them for the longest times, ally fin i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my XXXX credit reports only., than k you for your cooperation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This is my second complaint against my loan service, being made one week after I filed the last. 

I have been harassed with phone calls for over a month, being prompted with inaccurate billing information. Today, the representative who contacted me uncovered even more issues with how this has been handled. 

On XX/XX/XXXX I made what I believe was my final payment, only to be later called asking for {$110.00} dollars, and upon investigation the account shows only a {$4.00} balance. However that is from a late fee processed before requesting a final payoff amount. Every call since has requested the {$110.00} still despite being inaccurate. 

Today the service representative shocked by my situation, found that the late fee they have stated I owe was itself improperly processed and in fact I have overpaid my account and should have been issued a refund of {$0.00}. 

So I have received many calls, prompting me to pay {$110.00} when my balance was only {$4.00}, which I was told would be addressed. Only to find out from the 13th person I have spoken to about this, that not only was the {$4.00} mistaken, that it was improperly processed on my account and that I have in fact overpaid. Worst of all, none of the other reviews I have requested where ever actually targeted towards disputing that fee. 

This has been grossly mishandled, to the point that the rep I spoke with today agreed this all has been " highly inappropriate '', and has only now after a dozen calls actually assisted me in filing to have it properly disputed. Apparently every other representatives assuring remarks ( save for one supervisors condescension ) have been hollow as none of them actually investigated my account to uncover the extent that it was mismanaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I closed on a mortgage that was serviced by Specialized Loan Servicing ( SLS ). At the closing of the loan, I paid {$6000.00} from my own funds towards property taxes. This is clearly recorded on the HUD, and I have the receipts from the county tax office showing the payment was taken from my funds and mailed out by the title company. I also paid {$1300.00} to set up escrow with the servicer SLS. 
A year later SLS sent me a escrow analysis claiming they had paid the XX/XX/XXXX property taxes from escrow and that I now owed them {$4600.00}. I spent 8 months writing letters and making phone calls trying to get them to correct this mistake. I sent them the HUD statement, receipts from the tax office, wrote letters detailing their mistake. Finally, they made an adjustment to my escrow in XXXX of XXXX. Around that time, they refunded some of the money they had collected towards escrow and told me to wait until the new analysis. They also reduced my payments from a higher amount, which I was forced to pay to not foreclose. 
In XXXX of XXXX, I received a 1098 not showing the correct amount of property taxes paid. I called and asked them to fix it. Even though the representative acknowledged the mistake, she said she couldnt fix it. I put the correct amounts on my tax forms and inquired with the IRS about what to do in these situations. IRS rep told me SLS is required to fix and provide a correct 1098, but, to this day, they havent. Then, SLS sent me another escrow analysis, still with totally incorrect numbers that were not fixed. Instead of going back and fixing the error from the beginning, they just put a random amount as credit towards escrow. I called and request that they go back and do the works so the numbers represent the actual payments. The representative pretty much laughed at me and said they wouldnt do this. All I am requesting is a correct escrow statement representing the real payments and not some patched together statement with made up numbers. Also, it would be great if they could give me a correct 1098 for 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 2017-11-19
Company: Experian Information Solutions Inc.
State: SC
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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and Experian list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: HYUNDAI CAPITAL AMERICA
State: DC
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/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX, ( XXXX ) XXXX, XXXX pursue vehicle purchase ). After completing credit application, XXXX, XXXX XXXX, I received updated information from salesperson, credit score XXXX ( Equifax ). Thereafter, I responded to finance office, met with XXXX XXXX, who advised. '' monthly note will be approx. {$400.00} ''. I did not accept this offer. 

On XX/XX/XXXX, I contacted General Mgr. ( XXXX XXXX ), XXXX XXXX, to obtain additional information XXXX XXXX XXXX, and explore information XXXX XXXX XXXX. Afterwards, I did not accept offer. On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. I purchased XXXX XXXX XXXX. On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX XXXX, Notice of Adverse Action. 

Additionally, on XX/XX/XXXX, I received Notice of Adverse Action from Kia Motors Finance, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : Application Number : XXXX. It appears because I didn't accept XXXX XXXX XXXX XXXX XXXX ' offer, they used the XXXX credit score ( XXXX ) to support sending the Notice of Adverse Action. If I would have proceeded with the offer, they used the XXXX credit score ( XXXX ). 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Ga, XXXX, ( XXXX ) XXXX, is currently Lien Holders my vehicle. Please see attached supporting documents. Thanking you in advance for your assistance with this subject matter. It's also important to " Do unto others as you would have them to do unto you ''. 

In closing, I agree to CFPB Publishing my description on consumerfinance.gov., with the understanding that ALL of my personal information is excluded.

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 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I have a small business account with Bank of America. A representative reached out to me last year, saying they were offering me a FREE check deposit machine, as part of a pilot program that I qualified for. We had one phone conversation. When the machine arrived, it was very clunky and hard to assemble. Once assembled, it didn't work. It wasted my time, so I took it to the XXXX branch in the box and asked that they return it to wherever it came from. I thought then that I was done. But then months later {$15.00} charges started coming out of my account. When I called to query and found out it was for this service that I NEVER activated, they reversed some of the charges. But they kept coming, so I called again and again, and asked that they settle the issue once and for all. So they cancelled the service ( which I never authorized ), and charged me {$250.00}. I spoke to someone a few weeks ago about making sure that gets removed and that I don't hear ANYTHING about this again. The issue has wasted tons and tons of my time and energy, for no reason at all. I'm flabbergasted. Anyway I haven't heard anything back, and really don't want to call yet another time.

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 2019-05-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with CareCredit/XXXX 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 2018-12-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to miscommunication with Ideal Image and XXXX XXXX, I was charged with deferred interest of {$1100.00} after paying my original total bill merely 8 days passed the 24 month promotional period. The deferred interest plan was not explained to me properly and the billing was very confusing. I paid above my minimum payment on time every month thinking I was ahead of schedule. Originally, I was told by XXXX XXXX   that I would be billed approximately {$140.00} per month. However, XXXX XXXX sent monthly statements with a minimum monthly payment due ranging from $ XXXX-XXXX, setting me up to fail to pay off the account on time. If I had known that I would be billed for 28 % interest on the entire balance of {$3500.00} from the start date, I would have paid off the entire balance months before the end of the promotional period. I have never encountered deferred interest promotions that ended like this one. In fact, originally I opened this account with XXXX XXXX and XXXX XXXX  in XX/XX/2013 for a different service and was billed correctly, so I paid that entire balance of {$3500.00} without any interest or deferred fee at the end. And during that time, I only paid the minimum payment due. I trusted that the second time around would be just like the first time. At least, thats what XXXX XXXX told me. Now, XXXX XXXX  says they cant help because the interest fee is through a third party. And XXXX XXXX   will only waive {$390.00}, leaving me with a balance of {$770.00} to collect additional interest until paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Jumbo Loan in the amount of {>= $1,000,000} for ( 5 ) years and Interest Only with Bank of America. I paid a deposit to  start the process and I have solid credit, solid income and assets over {>= $1,000,000} with Bank of America. The process was terrible, unprofessional and they asked me for the same information which I submitted in a timely manner on multiple occasions and they never delivered on what they promised me. I wanted ( 5 ) years Interest Only and they told me it would be no problem initially and then their terms and conditions changed like a bait and switch. At the end of the process, they told me they would only approve me for ( 7 ) years Interest Only. I never mentioned that I would accept a fully  amortized loan and the loan officer XXXXXXXX XXXX  never mentioned I was approved for a fully amortized loan and not an Interest Only Loan. I closed escrow believing I was getting a 7 years Interest Only Loan and received a 7 years Fully Amortized Loan. Bank of America needs to either change their underwriting guidelines or not be in the business of lending money to consumers of mortgages. They have many complaints against them for Fair Lending Violations and I believe this was a violation of National Fair Lending Standards. I believe they gave me a bad loan because I never asked for a fully amortized loan and now I have one. I asked them to change it because of their own mistake which they admitted verbally and they would not fix the loan. The Bank in my opinion did not treat me professionally and are in violation of Fair Lending Guidelines and I demand their underwriting guidelines be investigated and they be fined or remedy my loan and give me what I had requested. That being said, now I am applying for another loan with another lender that can be trusted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement TransUnion and XXXX list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I went to my local Chase bank to withdrawal money at the ATM and when I tried to do so it told me I did not have the funds. I pulled over in the parking lot and pulled up on my phone the Chase App and noticed that there were two pending transactions one for {$300.00} and one for {$500.00} for a quick pay XXXX payment that I did not do or to a person whom I do not know. I right away went into the bank and told the teller I was hacked and all my funds were gone. She handed me a business card and told me to file a claim with the phone number on the card. I called the fraud department and filed a claim for the fraudulent charges that were still showing pending on my account. The bank froze my account and I had to go to the bank on Monday and open up a knew account and close the other account. Chase has denied my claim and now tells me I owe them {$800.00}. 

Pleased help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Citizens Bank, N.A.

XXXX XXXX XXXX XXXX XXXX, RI, XXXX XXXX Formerly XXXX XXXX, XXXX XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation and dispute. I never received anything from their attorney as well prior to the warrant in debt. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. I appear for the hearing tomorrow. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from XXXX to XXXX to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
UNPAID ACCOUNT Property Tax Bill The current amount due is {$1400.00}. The probable cause for this delinquency is XXXX XXXX failed to send the full amount due, back in XX/XX/2018. The original amount due was {$1200.00}. XXXX XXXX only sent {$1200.00}, therefor County Tax Collector returned the partial payment and stated they can only accept full payment! 
As of XX/XX/XXXX, 2 emails, 2 phone calls and still not resolved. Or any communication from XXXX 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