BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
BANK OF AMERICA XX/XX/2018 As trusting B of A for the last 34 yrs, As being a member I have become at this day of XX/XX/2018 a VICTIM of my personal finances, name, home because of requesting mortgage Assistance as of receiving a letter at my home on XX/XX/2018. As of today I fear the worst, with how I continue to receive at this time frame of 45 days to prepare for my mortgage payment to change with Increases of difference of a over 100 % increase? Letter attached is prof of the facts Iv'e stated above. I take responsibility for my mortgage payments as paying on time and paying the monthly payment of {$1800.00}, But the letter indicates in my terms of my loan had XXXX yr period during witch my interest rate stayed the same, That period ends XX/XX/2018 .So on this date XX/XX/2018 your INTEREST AN PAYMENT MAY CHANGE. with at this time there estimate of increased new payment was {$3400.00}, As I stated I applied with B OF AMERICA for Mortgage Assistance as after contacting B of A and trusting them with there telling from the mortgage and loan dept .As a few weeks had passed I called to see about the progress of this 6 page application I was told to find online ' fill out the required question that pertain to my needs of assistance of need some help with this increase of Mortgage payment.? ANSWER ( no record ) of application process in there system .I was devastated with knowing i had little time to resend this application again, certified mail this time .On XX/XX/2018 I get a letter from B OF AMERICA that saying The servicing of my home loan will transfer to XXXX XXXX XXXX XXXX? Why GREED AS B of A SEES a easy way to sell my loan off TO MAKE MONEY .and DID .Now with the NEW payment even higher at {$3700.00} .This is the part that has made me sick, the letter basically has left me dealing with XXXX  TO GET ASSISTANCE, As I have contacted XXXX  ON XX/XX/2018 they REPLIED I'm not in there system try back in 5 to 7 business days? I have to only believe B of AMERICA has failed in my privacy of personal info mation within them selling my loan as a high risk as chance of forecloser to the world of scams, fraud companies harassment, calls and emails asking if i need to borrow money, my home is going into fore closer, This is really a blow to the head, since I NOT EMPLOYED AS B of America was told by myself sending them my application for some type of assistance. This has caused myself to become fearfull of losing my home for asking like I stated trusting B OF AMERICA, Thanks for reading can you PLEASE HELP ME SAVE MY HOME OF 17 YRS????????

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 2017-11-09
Company: The CMI Group, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is under the impression I owe them money but I dont. The debt was removed from the original company so I have no dealings with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through  audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Bank refused to refund {$1300.00} for a flight on XXXX that I purchased on XX/XX/18. The flight supposed to be round trip from XXXX XXXX to XXXX XXXX departing XX/XX/18 returning XX/XX/18. Russian immigration took more than an hour and there was only XXXX hour and twenty minutes between flights, so I arrived at the gate for my XXXX XXXX departure after the flight had left. XXXX refused to change my flight even for a fee and insisted I buy a new separate ticket because other passengers from the LA flight had made the XXXX XXXX connection. I asked and they verified that those other passengers were all XXXX citizens who were able to pass through immigration much more quickly than Americans like myself. I therefore had to buy new tickets that cost me more than the original had to complete my trip. 

I have called XXXX repeatedly over the past two years and they have never replied nor did they reply to a XXXX XXXX XXXX   inquiry. When I tried to get help in XXXX ( I speak XXXX from training in the XXXX ) I was told to speak to an agent in LA. Once back in LA I was told I needed to resolve the issue in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 items 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 any item 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 items which do not belong to me or were opened without my permission. 

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 XXXXXX/XX/XXXX ; 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX and XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my US accounts with HSBC bank after they announced they were exiting the US market and selling their business to another bank. I transferred my money to a different bank of my choice. Subsequently, HSBC is charging a monthly maintenance fee and are now trying to collect it as a debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing concerning my experience with XXXX XXXX that is both a grateful thank-you and a pressing request concerning a tradeline in my credit files that I would like to have revised. 

I received my XXXX XXXX credit card in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX, XXXX and XXXX, I missed a couple payments that was a fault of my own. 

If you look at my history since XXXX I have made 95 % of my payments on time. I do have essential organizational and financial management skills. I desperately need my payment history to reflects that. I wish to thank you for your renewed confidence in me and for giving me positive relationship with XXXX XXXX XXXX that I am determined to keep untarnished. 

I'm about to begin the process of purchasing a new home. It has come to my attention that those few late payments may prevent me from taking full advantage of the best interest rates available. Since those late payments does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at XXXX XXXX, and I plead for such consideration. 

If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: ALLY FINANCIAL INC.
State: MI
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:
THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed. 

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great. 

Then on XX/XX/XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED. 

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies. 

PLEASE ACTUALLY DO SOMETHING

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 items 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 any item 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 items which do not belong to me or were opened without my permission. 

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 ; 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 2022-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 2023-05-09
Company: EQUIFAX, INC.
State: LA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: General Motors Financial Company, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: AR Resources, Inc. (FL)
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with TransUnion and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.

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 2023-05-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.

Company response to consumer: Closed with explanation