BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in " returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: KY
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened 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 consumer that the information is not information relating to any transaction by the consumer. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company sold my mortgage and did not release the title so it shows as two mortgages which I do not have. I have never had two mortgages on my home. I want it corrected.

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 2018-05-21
Company: Monterey Financial Services LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one stole my identity and solicit a loan to Monterey financial Services, LLC. This person is utilizing a florida address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phone : XXXX ). The loan was approved and I am being charge for it. The loan amount is {$3700.00} with a monthly payment of {$140.00}. In XX/XX/XXXX I contacted Monterey Financial and informed that the loan was made by a identity thief person and sent the police report number so they would removed the charge. I explained that as soon as the report is provided to me by the police department I would be sending it to them. At this moment they are still charging me the monthly amount ( {$140.00} ), no pause has been made and my credit has been affected. The identity theft was reported to XXXX, XXXX and XXXX and a fraud alarm/warning has been added to avoid inquiries or any other action. This was made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Village Capital & Investment LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX capital actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of america is withholding my deposit causing me to have overdraft cost. And delaying time for me to pay my taxes and buying materials for work

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 2019-03-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX - I opened the Wells Fargo Everyday Checking account following a promotion which states that : After having 3 direct deposit of {$500.00} or more within 120 days of account opening, I am eligible for {$200.00} cash back bonus. 

end of XX/XX/XXXX, end of XX/XX/XXXX and end of XX/XX/XXXX - there were 3 separate payroll direct deposits of {$500.00} into this account. 

But Wells Fargo hadn't provided my cash back bonus. 
I have kept my minimum balance of {$1500.00} so I have met all the conditions but I haven't got my cash back bonus of {$200.00}. 

when i inquired this last time - i was given the excuse that " I reviewed your account and our records show that the promotional incentive couldn't be paid because the Tax Identification Number ( TIN ) on file for this account couldn't be verified. '' This is not accurate as I have existing relationship with them - credit card, business checking and mortgage. at the time of account process - it did asked me to login online and complete the process.

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 2023-02-28
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-01-11
Company: Caliber Home Loans, 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:
Caliber Home Loans Acct XXXX is reporting incorrect information to XXXX. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. Caliber is reporting late payments and XXXX is showing incomplete and inaccurate information which must be removed as per my rights under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is a collection account on my credit report from XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, OH, XXXX, and phone number XXXX. It shows the account was opened XX/XX/2017. It says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and the amount is for {$1100.00}. The issue is that there is no original account on my credit report from XXXX XXXX XXXX XXXX XXXX. I think this MAY have been an old credit card, but all the information related to this account has disappeared from my credit report and therefore, I do not know when this account was open, what the balance was/is, and if it is past the statute of limitations because all of the information related to this account is NOT on my report. It was my understanding that old accounts of 7 years or more fall off your report and then collection companies can not collect on those, but this collection is showing as a new account opened in XX/XX/2017. Since there is not an old account showing this debt that was closed ( as is supposed to be on my credit report when the collection company buys it ) I reported these errors to Experian, but their investigation came back and nothing was changed. Since the original account is not on my credit report, I have no idea of what the dates are, and all of this information is incorrect and the collection company should not be able to have this on my report. I am requesting that the credit reporting bureaus remove this account from my credit.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX I sent out my second letter to Experian to remove personal information off of my credit report. According to the fair credit reporting act 1681 I have right to privacy. Also 15 US Code 6802 It states that no financial institution can disclose my personal information to any third party. 



These are clear violations of my federal protected consumer rights

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 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
CASE NUMBER - XXXX On XX/XX/2018 I opened a new checking account at Bank of America, Ending in XXXX It was opened at Branch in XXXX XXXX, IL by XXXX XXXX ( XXXX ) XXXX. 
I had a promotion applied, deposit {$4000.00} in 90 days and a {$300.00} Bonus would be issued. 
As of today, I continue with direct deposit, and have not received my promotion bonus of {$300.00} for new accounts. 
I contacted the branch and had no response. 
Then I mailed Bank of America twice, received CASE NUMBER - XXXX and was told that I was not eligible, no more detail. 
I firmly believe that I followed the terms of promotion, can you please credit my account with the {$300.00} sign up bonus. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My house is sold and I'm trying to get a mortgage but because experian is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by 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 2019-03-08
Company: Ditech Financial LLC
State: UT
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:
In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Ditech, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

Ditech managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

Ditech is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at Ditech he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. Ditech has my correspondents also. Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was incapacitated due to XXXX and after a couple of automatic bill payments my account became overdrawn. Some of the " auto-payments '' were retried and my bank kept approving and reversing the payments and billing me for each attempt. In less than 4 days Fifth Third charged me over {$450.00} in fee 's on an account that was only overdrawn by {$300.00} dollars. I now have a negative balance of {$750.00}.

I've been a customer of Fifth Thirds for over 15 years, maybe more ( credit and checking ) and after speaking with an agent was provided no assistance or support. The agent who was clearly from an overseas call-center said he understood the situation and apologized as there was nothing he could do.

Fifth Third has also admitted to a posting issue where the mobile app does not reflect payments or pending charges and only shows " posted '' transactions leading to more customer overdrafts - of course they won't fix this issue because as most of us do banking on our devices, they'll just continue racking up the fee 's. 

Any help would be appreciated as I was laid off from work and am struggling to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: IL
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/2019 a letter was sent to each credit bureau ( XXXX, XXXX and Experian ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

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