BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been trying to get the auto payments accounting from Bank of America for months and this isn't the first time I've had problems with them. If you examine the attached screen shot, you will see 'misc payment ' twice in the month of XXXX and note that the XXXX payment draw isn't the same as the value in the amount due line and by a significant amount. BoA is unresponsive, at least in part, because I can't attach a screen shot and they keep 'misunderstanding ' my description of the problems. 

BoA bought this mortgage. I want to fire them. Please help. I've been paying mortgages for over 40 years and BoA caused more problems than the entire prior experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit was pulled from companies I did not authorize. 

XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2021-04-07
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was sold and I was not notified by either company. I tried every option to contact the company, LOANCARE. I had set up an online payment at the beginning of the month and when it didnt deduct from my account, I logged into online acct. to find that the loan had been " paid '' with {$0.00} balance but no more info. I called to figure it out and was sent in to a prerecorded loop that never led to a human or answering system. 

I checked my mail at my previous address and current home, without success, to locate the documents for who it was transferred to. It has been over 2weeks and I still havent been notified by either company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX XXXXXXXX

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 2018-04-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.

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 2018-04-13
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: Account information incorrect

Complaint:
My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing my information in XXXX XXXX as I now pay them to watch my identity as a result of the first time this exact thing happened to me. I received a notification through XXXX XXXX that Major Derogatory type hit on my credit. Come to find out it was from a debt owed to XXXX, the cell phone company in the amount of {$3000.00} and change. First off, I have never and will never use XXXX. I had long been a XXXX customer and now use XXXX. I was instantly concerned and called XXXX   XXXX as well as filed a claim with XXXX the company in charge of hurting my credit over this. XXXX is investigating and XXXX XXXXXXXX says the same. XXXX XXXXXXXX informed me, when I spoke to them over the phone last week, that since no payment was ever made on the account it was automatically closed and sent to collections. So the lady helping me really did not even have the access needed to see behind the scenes. She let me know a member of their fraud team will be in touch, which I have yet to hear anything. Now comes my major issue. This EXACT thing happened to me, with XXXX XXXXXXXX mind you, two years ago nearly to the date. I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX and go figure, for {$3000.00}. What a coincidence right!? I think not. If the account had been closed from lack of payment, then why would XXXX XXXXXXXX ever authorized an account to be opened after my information and the fraudulent activity that surrounded my " account '' be in their system? Why would they let this happen yet again?? Simply to boost their numbers and take advantage of me and most likely others. This is utterly ridiculous that I am the one having to deal with all this and XXXX   XXXX just gets to go on about their day. I would not be as upset if it was the one time, but twice now. What prevents a third and a fourth because clearly XXXX XXXXXXXX will allow anyone anywhere to open an account no matter the reason or who they even claim to be. I am also upset as XXXX XXXXXXXX, having had my issue in their system the first time, clearly can not put two and two together to even call or send me a letter questioning my desire to open the account in the first place.

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 2021-05-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a bunch of overdraft and NSF fees totaling {$1400.00}. I spoke to the bank several times about this and was simply told, It was my fault and nothing they can do about it. Starting XXXX to XXXX I was charged these fees and they allowed XXXX XXXX to keep pulling these debit card transactions and charging me {$140.00} NSF fees each time. It totaled over {$1200.00} and these transactions were {$10.00}, {$20.00}, transactions. I contacted them XXXX when I first noticed and was told there was nothing they can do. I explained that I received a letter directly from BMO Harris that no overdraft fees would be charged to customers due to the pandemic and they simply denied any letter existed. I have messaged them several times on my online banking with no response or a response they will not refund these fees back. I also had my spouses stimulus payment come in during this time and they held it 5-6 days while allowing these {$140.00}, {$100.00} transactions to keep negativing out my account still. Took them about a week to deposit that into my account. The week on XX/XX/2021 I also seen they had deposited my {$200.00} promo credit which I got for opening this account, then a week later they pulled it back out with no notice given and it cause my check to bounce and they charged me another {$36.00} overdraft fee XXXX for that and it was a bank error. I messaged them and called several times between XXXX about that prior to my check going through and they said that promo was taken out due to bank error and I wouldnt be charged any overdraft fees, but I was and the check didnt clear so I now has to go to the vendor and pay that check and their {$35.00} fee on top of this. I feel like Ive been completely taken advantage of as a customer and I have not opted in for overdraft coverage and they have never paid any of these transactions just charged {$36.00} and {$140.00} fees for a {$10.00} debit card transactions. I have called and sent several messages and they will not refund any of these fees and wont even help. They took over {$1200.00} from stimulus money which I could of used for our family of XXXX. I am XXXX and can not work and my spouse is on unemployment and we have XXXX children. We can not afford to give BMO Harris Bank {$1500.00} in bank fees nor should it be allowed.

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 2021-01-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, 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 2018-04-13
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
Fact : XXXX XXXX XXXX ( Original creditor : XXXX ) reported A Derogatory on XX/XX/XXXX of a collection/chargeoff in the amount of {$420.00} Account # XXXX (? ) to XXXX. ( I discovered this by running my personal credit report with scores on XX/XX/XXXX using XXXX ) Fact : I had used XXXX as my auto insurance carrier for many years and was in good standing fully paid when my most recent policy ended XX/XX/XXXX. Several phone calls to XXXX Accounting Department XX/XX/XXXX and XX/XX/XXXX showed no collection reported against my personal name and no collection ever pursued against my company who purchased auto policies these last few years. they searched by name, drivers license, phone numbers, social security, and business name. 
Fact : XXXX provided a contact number for XXXX XXXX XXXX XXXX which I called and XXXX XXXX XXXX could not find me in their records by personal name ( I have a very uncommon and long last name ), phone numbers, social security or by my company name which held several years of auto policy history with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: AR
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:
THEIRXXXX/BELK ETC.. ARE 14 FRAUDULENT HARD PULLS FROM SYHRONB=XXXX XXXX ON XXXX ONLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an issue with my current mortgage company, Ditech. 

We were one of the folks impacted by the XX/XX/XXXX Flood here in XXXX XXXX. We did and still have Insurance with XXXX through XXXX XXXX. 
We processed the Checks from XXXX and the money is being held by Ditech. They have been very slow in releasing the disbursements to me in which to restore my house. 

I found out Monday ( XXXX ) that Ditech maybe selling my mortgage to another Company, XXXX. 
My fears are confirmed, I have received Notice from Ditech on XX/XX/XXXX. 
It would appear there are many lawsuits against this company for the same issues I'm currently having with Ditech. I do not Trust Ditech!!!! 

I really feel like I've been taken advantage of by these loan company practices, and at XXXX years of age I feel like I should not have any issues with getting my money to restore my house! 

I've been an employee of XXXX for over 40 yrs. 

What I would like is some direction on how to proceed with getting my Insurance Claim Money so I may finish restoring my house. 

I am also fearful that my Insurance Money that is being Held by Ditech will get LOST in the Transfer to XXXX, or worse, that Ditect Maybe trying to Keep My Insurance Money. 
I have Tried Contacting Ditect Many times since the XX/XX/XXXX Flood. They will not Email me any information, all I have received from them are Form letters asking for the same thing over and over again, For Example : A Form to verify my address! Makes no sense to me since I have given them that form already! 
The Forms they send to me are at my Address, which they are asking me to provide to them! 

I would be happy to send any pictures of my house during the renovation or if anyone from any office or agency would like to come and inspect and take pictures, that would be welcomed. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020, I dispute some items on my credit report such as date of reporting and date of last payment. On XXXX XXXX, I receive the results of my dispute and items were erroneously deleted. These items should be placed back on my credit report this has resulted in my credit score dropping at least 30 points. My credit reporting is not showing accurately This mistake was made by Equifax and it should be fixed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MD
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:
New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit score was harmed My hippa rights were violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB 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 2018-05-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax flagged my account with " 039-Serious Delinquency '', when I do not have any accounts late and never had. Credit Report from XXXX shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: NV
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:
Experian continues to report fraud information on my report despite numerous attempts to make them understand that they are not mine. My maiden name was XXXX XXXX XXXX XXXX and I found out that my Now late father had opened numerous accounts using my information without my knowledge. I have sent Experian a police report, a FTC Identity theft report copies of my marriage license to show my name change my drivers license my Social Security card proof of address and still these remain on my report. 

The three fraud accounts on my report are XXXX XXXX XXXX XXXX XXXX XXXX I dont know at this point how I could be any more clear with them and they do nothing

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