BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning on XX/XX/XXXX I contacted my mortgage company for assistance during the COVID 19 outbreak. I was told there would be no assistance for me. My original hardship was the passing of my parents and then the pandemic curtailed my income. I was told that the loan had had the maximum of modifications allowed and could not get anymore. I asked for a copy of the modifications they said I received modifications in XXXX, XXXX and XXXX. My father passed in XXXX and my memory recalls a short sale approval but not a modification. I have been asking for copies of the modifications and the " ticket has been open '' since XXXX, XXXX and still can not get a copy. Also, I have been explaining that I need pandemic assistance and not only did my lender tell me no, they have been moving forward with the foreclosure case, docket attached in the document area of this complaint. Also, I have been attempting to get this loan in my name as it is still in my deceased mother 's name but they have told me I need a modification to do so and they are stating I had three but will not send them to me or prove it in anyway. I am asking for proof of all modifications, some assistance with COVID and a stalling of my foreclosure case so that I may not be homeless during a pandemic. The request for assistance was made in XXXX and the docket shows they are still trying to sell the 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 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023, I went to Bank of America ATM in XXXX RI on XXXX XXXX. 

I took out {$300.00} but the ATM only brought out {$100.00}. 

I've contacted Bank of America several times about the issue, and nobody is helping me. 

They finally issued a claim number XXXX. 

They are literally going to take my hard-earned money I worked hard for. 

I have been with them for over 15 years, and this is so not fair.

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 2017-08-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Account Name XXXX XXXX XXXX XXXX Account # XXXX Account is over 7 years old and should be removed from Experian.

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a credit monitoring notification on XX/XX/XXXX that a credit card had been opened in my name with Bank of America. I marked it as fraudulent with XXXX. 

On XX/XX/XXXX I received a credit card from Bank of America in the mail. I contacted Bank of America by phone to close the account. There was a follow up call with the bank the following day to retrieve some more information.

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 2021-01-28
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I filed an complaint through the cfpb for my Aspire Credit Card. I told Aspire how they violated me by using their logo on communication and they said that it was their policy. So here I am again filing another complaint on how Aspire Cardholder Services violates me Aspire Cardholder Services are sending me bills with their logo on it and its alarming everyone I live with that Im in debt. 
Pursuant to USC 1692b. ( 5 ) and USC 1692f ( 8 ) it states that a debt collector can not use language or symbol on or in the contents of any information effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Also that content should not state I owe any debt pursuant to USC 1692b. ( 2 ) thats another violation. Aspire also violated me under USC 1692e. ( 11 ) none of the statements they send states that theyre attempting to collect a debt. Thats false and misleading. On my statements they all come in a positive balance. How can you pay on a positive balance!?? Pursuant to 1692e. ( 2 ) ( A ) the amount on the statement is always misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : 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 2021-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We requested mortgage forbearance from PennyMac on XX/XX/XXXX and recieved a notice of acceptance that stated we would not have to pay back the full amount owed at the end of the forbearance and that there would be several options such as defferal, modification etc. We renewed the forbearance for 15 months and requested the final three months ( that according to the cares act we were entitled to ) and that last forebearance was denied. We received a notice that our forbearance was ending XX/XX/XXXX. We called and asked what our options were and PennyMac offered a modification. We filled out the paperwork for the mod on XX/XX/XXXX and were sent a notice on XX/XX/XXXX that we were denied the modification due to not completing our last modification. We call in XXXX and XXXX speaking with different people asking for another way to resume payments and come out of forbearance but were told there is nothing they could do. This was never mentioned in the first or any successive forbearance updates. In XX/XX/XXXX we received a notice of default and intent to accelerate demanding 22 months of payments equaling {$73000.00} by XX/XX/XXXX or risk foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been using my credit information and are applying for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I spent many hours on the phone with Chase supervisors on XX/XX/2023 trying to determine how much balance I had subject to the regular purchase interest on the card of around 25 % APR. I was finally told the number was {$4700.00}, which is what appeared on my XX/XX/XXXX statement as the balance subject to that interest. I made a payment of that amount ( XXXX ) on XX/XX/2023. Chase applied part of that payment not to the balance accruing 25 % APR, but to a " My Chase Plan '' ( flexible spending offer ) on the card, which had a 0 % APR and $ 0 monthly plan fee. This is in violation of federal law which requires that payments be applied to the highest interest rate first on the account, to which my payment should have been applied to the entirety of the balance accruing the purchase interest charge of 25 % APR. My statement on XX/XX/2023 includes {$1300.00} subject to the 25 % interest, which should be {$0.00} as the " My Chase Plan '' that my payment was incorrectly applied to had a balance of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-10-17
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS Collections reported {$160.00} collection account from XXXX on credit reports XX/XX/. No communication, verbal, written or otherwise. This is deceitful practice by agency. It is either not a debt owed or past XXXX and does not want to acknowledge. 

Disputed with credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX,  stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/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 2022-09-12
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXX/XX/2022Balance : $ XXXX Late Dates XXXXXX/XX/XXXX XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: OneMain Finance Corporation
State: OH
Product: Credit reporting 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:
Onemain Financial has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: LFG Data Services Holdings, LP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I tried to opt out of them sharing my information and tried calling as well to get copy of any consumer data they are holding about me. Their website shows easy way to get data and opt out ( see photo ). 
It constantly gives error message. So I call the phone number and message says leave message and we will call you right back. No one calls. There is no way to opt out or get my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following credit cards and credit card accounts currently listed and showing on my Experian and XXXXXXXX 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 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