BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
STATEBRIDGE MORTGAGE COMPANY transferred mortgage servicing without notice to property owner. Made payment online for over 1 year. As of XX/XX/2019 No payment can be made online at : https : //www.statebridgecompany.com/XXXX Confirmed mailing address with STATEBRIDGE MORTGAGE COMPANY XX/XX/2019 via 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: EQUIFAX, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2017 I received a disaster relief loan from XXXX XXXX XXXX XXXX. They advertised this loan as one that did not depend upon credit worthiness and had a low interest rate. I had problems from the beginning and based off of conversations with other consumers who received this same loan, their unfair treatment towards me was racially motivated and they were biased. Without my permission they pulled my credit and denied the loan initially. I had many a heated conversation with employees and finally managers about XXXX pulling my credit without my consent. A high level manager approved the loan and told me they would be removing the inquiry from my file immediately. That never happened. I am fighting now for two reasons. 1. They need to remove the illegal inquiry from my account immediately! The agreed to do so during the process last year, but have yet to do so. 2. They are in violation of the Fair Credit Reporting Act and other laws at this time. I became ill and unable to pay my bills for a few months. Instead of following the law, this evil disgusting vile company has been reporting inaccurately on my credit file making it impossible for me to obtain housing! I have tried relentlessly to work with them, even offering to pay all of what is owed or pay many bills in advance and put the rest on an automatic withdrawal system so I can get housing. They have refused. They are the ONLY company that has refused to work with me. This is a DISASTER RELIEF loan! My credit was not used to get me the loan. They can not legally report. Looking back, perhaps this was their plan all along. If people are in need of disaster relief perhaps they may fall behind and this was their illegal way of making sure it got paid. XXXX had no interest in helping people. They were interested in getting money! At any rate they only treat their customers of color in this manner and I want justice ... Immediately! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: BBVA FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have no idea why there is a {$10.00} fee on my Compass credit card. It is incorrect. I have called and emailed the company many times to fix it and change my credit report to never late. I take pride in my great credit and BBVA is messing it up. I have tried many time to call and speak to a person at the company and have been left on hold for hours. I can not believe it is one of the biggest banks in the world and is unable to be reached. I am very upset and plan to take this to the highest levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .The disputed information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife applied and was approved for an Amex card via a referral link that I generated through the Amex site. I should have received around XXXX points as a result of the referral but haven't received them, despite the fact that the referral was made in XXXX. I've escalated this issue to their customer support / care departments but haven't heard back since my last inquiry. Previously they claimed that the reason the points weren't awarded was that my wife applied directly as opposed to using my link ( this is not true ). I believe a technical issue with their referral system is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by XXXX XXXX XXXX. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak XXXX well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in India and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill

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 2023-01-04
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a Collection on my report and call them when they sent me the mail. On XX/XX/2023 I reached out to the company spoke with a representative and explain to her that this was illegal and explain this account was closed in good standing. I went to a XXXX XXXX XXXX store during covid because I needed the internet for school and I signed up for their {$55.00} internet wireless device that I was able to connect multiple devices and stream movies. Well the sales representative and according to the agreement I had 30 day to try it out and if I didn't like it then your hands are clean. It was a trial base. Well it didn't work very well where I lived and took it back under the terms and agreement and they even issued me a refund for the device I overpaid. But now they say I owe {$160.00} for service fees. I informed them to send me the contract and bill and they have not done so. I also stated that this was a trial and those who got it like my friend did and he didn't get this charge himself. She told me that its a service for fee and I told her what the sales representative told me and she said no its not the equipment its the service. I told her she was not present during the conversation with me and the sales representative. They made me get the internet box and t a phone that I didn't need or use because it needed to be connected to data. Well come to find out that this was not true and the sales representative violated California Frivolous laws that protect from mis representation and lies just to make a sale. So she refused to send me the copy of the contract the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$19000.00}

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 2017-09-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. 

I'm contacting you, in the hope that you'll assist me with my loan modification, with Bank of America. 

I began talking with them in on XX/XX/XXXX of last year. I fell behind on my payments, last year, as my mother was very sick and I had to care for her. I've submitted and resubmitted documents nearly a dozen times now - and, for the last two weeks, I've resubmitted the same information THREE times. My point of contact continues to tell me that this is what underwriting is requesting. 

It's clear that Bank of America is deliberately stalling this process. They're intentionally misguiding me. Misdirecting my efforts and straightforward lying to me. The single point of contact on my file - XXXX XXXX - has been of absolutely no assistance. I've also reached out to his manager, XXXX XXXX, and he barely gave us any more assistance then XXXX. 

XXXX This process should have been competed a month ago and t 's becoming an emotional and psychological burden to me. Boa had had all the documentation necessary to approve my modification and I have acted in good faith, fulfilling every request that they've made of me. I also have more than enough disposable income to support going back to making my payments and we need your help with this. 

Thank you!

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 2023-07-04
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XX/XX/XXXX {$38.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
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: Account information incorrect

Complaint:
After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.

Company response to consumer: Closed with explanation