BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a complaint against my credit card issuing bank, Bank Of America, for their failure of providing fair and due diligence in investigation of a fraudulent credit card charge, for which I had opened a dispute with the bank. 
I was inI XXXX XXXXrestaurant for lunch on XX/XX/XXXX after paying for the meal with my Bank Of America Visa Card I left the restaurant without noticing I did not get the card back. Later at evening, my wife noticed a couple of suspicious charges on the account, as she raised question about why I went to eat at the XXXX right after lunch at I XXXX XXXX, I became aware that I did not have my card with me. 
We immediately reported this incident ant the fraudulent charges to BOA credit card department and open a case of dispute with the bank. 
Response came a few days later from BOA by mail, telling us that we would be responsible for the charge because their system showed the card was presented at time of charge, which in their mind would constitute an authorized charge. 
The letter, however, made claims that directly negated my phone testimonial when I opened the dispute, but without mentioning what was found and how it was found, or any circumstantial discoveries that could support such claim. Questions remained unanswered which should not have been, in option, if a serious investigation had been genuinely carried out. 
These questions should include but not limited to whose signature were left on the charge receipt, if there were any camera images that shows the person who was rendering the charge. If someone had my authorization to use the lost/stolen card, who was that person and what was the testimonial. 
BOA also stated a PIN was entered at time of charge, but I never had a PIN for this card, nor do I believe a PIN is ever required to use a credit card, provided the said card does not bear debit card feature, at least to the knowledge that was afforded to me. 
All indication implied, at least in this case, that BOA had lacked good faith in promoting and maintaining fair credit practice, which is mandated by federal regulations. I call upon our regulators to step in to correct such irresponsible, possibly illegal behaviors that are undermining the consumer rights and potentially other applicable laws and regulations.

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 2019-09-02
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had traded in my car for a XXXX truck. I had called Santander to advise car was traded in and if payment still needed to be made. They stated no since they would receive a check from dealership and would be paid in full. Month later they show account closed and add remarks saying 30 to 60 days late payment. This all happened in XXXX of 2019. I submitted disputes with creditor, never got back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted XXXX is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. XXXX has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with XXXX or the company it represents. I will be forced to sue XXXX and all CRA that's reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting inaccurately. I did not authorize the Inquiry of XXXX or US SM BUS ADMIN ODA. 

XXXX took place on XXXX US SM BUS ADMIN ODA Took place on 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 2020-10-19
Company: Experian Information Solutions Inc.
State: OH
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2017-09-22
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MI
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:
Back in XX/XX/2017, I filed an Identity Theft Report with the FTC Report # XXXX for the following accounts : XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX Additionally, on XX/XX/2017, I filed a Request to Block unauthorized charges under FCRA 605B Both letters were sent via certified mail to Equifax. Let it be known that both XXXX  and XXXX XXXX complied and removed these accounts, conducted investigations and concluded XXXX, XXXX XXXX XXXX XXXX would remain permanently deleted. However, to date Equifax has not responded at all. I have also requested the steps Equifax used to investigate. Again no response! In all, I have sent Equifax request to investigate, block and delete these accounts and have never received a proper and legally required response. 
I have since been turned down for credit moat recently for a XXXX XXXX card due to Equifax, been passed over on a job promotion that would have also increased my salary by {$18000.00} annually. My auto and home insurance has increased. I even reached out to Senator XXXX XXXX office and had a representative from the Senators Office investigate. Equifax has simply ignored every single policy and law. I am again, for the 5th, time demanding that Equifax block & delete the three accounts above from my credit report immediately. This letter will be followed up with a lawsuit  sometime in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Personal information incorrect

Complaint:
I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via Experian, XXXX or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 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 consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : 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 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 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 non-monetary relief
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit 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 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent an email to PennyMac after speaking on the phone with one of their representatives that I would be able to recast my hone loan with them. I received a written response from PennyMac once again advising the steps I needed to take to recast my loan. 
On XX/XX/2023 I wired {$170000.00} to PennyMac for the recast. The money was received the same day by PennyMac and they updated my online account to reflect " Principal Recast/Principal Reduction. '' I thought we were finished with the transaction and the recast was complete. 
On XX/XX/2023, I received an email through PennyMac 's secure Message Center that said that my loan was not eligible for Recast because my transfer " must align with the investor provisions. '' Not knowing what that was, I called PennyMac 's Customer Service line asking why they told me I could recast my loan both over the phone and in writing and then once they had my money, they told me I couldn't. '' No one could give me a straight answer over the phone but advised that they would escalate the return of my money. I told them I wanted my funds wired back to me immediately, as they were making money off of my funds by holding onto them. The phone agent agreed. I hung up with them but have still not received the wire of my funds back. I have called and requested to speak with supervisors and am constantly denied access to speak with one without waiting on the line for hours. PennyMac is illegally holding onto my life 's savings and are doing nothing to expedite their return to me after providing me with false information regarding my recast.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: Siggi LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan and tried to apply my XXXX XXXX XXXX to the loan and I am an XXXX XXXX XXXX XXXXXXXX from XXXX but I havent gotten any movement on it. My interest rate is currently 27.495 % with a loan fee of {$4500.00} separate from the XXXX borrowed. These fees seems very outrageous

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I emailed First Investors Financial Services on XX/XX/18, Due to the Harassing Phone calls that I received during the day. 
As I previously advised a collections Rep about the amount of Voicemails that were being left on a daily basis on a single phone number. 
Calling from different numbers all day long. Phone numbers that are near my own phone number or on XX/XX/18 called from my exact phone number ( spoofing calls ) .This company is based in the XXXX Area and Georgia Area . So why am I getting calls from XXXX, XXXX, XXXX area codes? disguising phone number to collect a debt. Then getting text messages from the company when I did not give the okay to contact me by text message on my cell phone. I also received several emails to my email address advising me to contact the company about my past due account. 
I have been open and honest with this company about the struggles that I have been going through the past few months and still maintain keeping a payment coming in monthly. 
So on XX/XX/18 : I emailed the company about the unfair debt collection practices that they are doing, I got a email back from XXXX XXXX, who stated that he would put my account in a " do not contact status '' and would review the call recordings .Well today XX/XX/18 : I have received Text messages and emails about my account. I did email Mr XXXX back about the issue and advised at this point ive given them the opportunity to fix the situation but that I was at this time going to report them to the CFPB and the Attorney General for further investigation. 
This company is in Violation of FDCPA policies and procedures. 
I do have said emails and copys of my phone log as well.

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 2021-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage w/Nationstar on XX/XX/2015. The said they mailed out the release of lien on XX/XX/2015. I 've contacted them XXXX times since then and they assured me that the release of lien is being sent each time. As of XX/XX/2015 the recorder 's office at XXXX XXXX has not received it. The last time I talked to them they said it will be mailed and I will receive a email copy. When I opened my email I found a payoff statement of which I have XXXX of. That 's what they keep sending me. On XX/XX/2015 I got a email saying the release of lien has been sent to the recorder 's office and to contact them. I then received a postal letter that said it was in response to my request on XX/XX/2015 for documents to be mailed to me. Guess what, it was another payoff statement. The loan has been paid in full since XX/XX/XXXX. I would find it hard to believe that a company could remain in business and be so incompetent but Nationstar is living proof. And I am not the only XXXX, I plugged Nationstar on XXXX and I read about XXXX letters worse than my situation and I had n't got an XXXX of the way down the page before I gave up. Not XXXX had anything good to say about them. I was going to write the CEO XXXX XXXX but after I saw that XXXX page I figured that he must know how XXXX up his company was, so I came here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief