BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is in danger of foreclosure. This problem goes back to XXXX when Fay Servicing indicated I could apply for loss mitigation online. I did so. After realizing within a fifteen-minute time frame the draft document was submitted accidentally. I immediately loaded the correct form online. I called several people at Fay getting different advice on what to do. Nevertheless, the wrong application was uploaded by the underwriter and the calculations were done for monthly income we do not have. The payment plan is established for {$5400.00} a month. I NEVER signed anything agreeing to these terms. This was something they told me that I needed to sign for. I never got a document. Yet, I did make the XXXX Payment because I was threatened that if I did not pay it, I would be foreclosed on. I was told to re-apply for hardship ( Loss Mitigation ). I really did try to try, but this is unreasonable I can't pay this with personal bills and utilities being shut off. 
After talking with a representative, I was told that the system takes the first form, and you are pretty much out of luck if a second was put in. I CAN NOT MAKE THE XXXX PAYMENT ; THUS, THE PLAN WILL BE BROKEN. 

On XX/XX/22, I contacted Fay Servicing to explain that I can not make a {$5400.00} a month payment plan. I asked for a re-assessment In addition, I would like to complain about the representative XXXX XXXX XXXX ) who is a terrible person. I realized who she was because she was once assigned to me as a manageXXXX and NOT ONCE did she bother to call me back when subsequent calls were made to assist me in my concerns. She takes great pleasure in not helping people. Getting thrills that a person will lose their home. She stated I could apply at any time, but it doesn't mean it would be approved and I need to have another plan. There is no other plan. I need to keep my home. I was also told that my house would be foreclosed on in thirty days if the payment is not made. I re-submitted my application by fax and email and hope these people can expedite this. 

( See print-showing my initial application and the resubmitted one with date and time stamp/current print screen of whats owed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contacted Equifax to inform them that I do not have a middle initial in may name. I was given his fax number XXXX to forward my complaint, which I did on XXXX XXXX, 2016. What followed was a real nightmare, and to this date, the change has not been made., even the credit reports they mailed me dated XXXX XXXX 2016 and XXXX XXXX under dispute confirmation number XXXX still had the same error. 
All in all, there were XXXX case numbers that the next employee will issue without listening to what I had to say, they are : XXXX XXXX XXXX XXXX To this date, no resolution to the case. I grew tired of calling the dispute department because the numbers kept changing, following is the list XXXX XXXX XXXX I have the distinct impression that their goal was to confuse me, not to address my concerns. They have the wrong name, but they insist in keeping it in the meantime I have received XXXX denial for credit based on Equifax 's data. 
Other institutions have granted me credit using XXXX and XXXX who rate my score over XXXX. Equifax has me around XXXX? 
In addition they have listed an office building XXXX XXXX XXXX XXXX, with a suite number as my previous address. This is data mining gone wild!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have been dealing with Santander for a few years now with the loan of a car. This car is in my ex husbands name and i have been making payments on it for years. I called Santander to tell them i wanted to trade the car to get one in my name and because of them charging off the car in the credit system even though i had been making payments on it for years I could not do so. When I called on numerous times to discuss this with them they told me it was charged off and on my credit it did not matter if i made my payments on time it was not going to show that. It would only report negative. I tried speaking to different supervisors to reconcile the issue and they all kept telling me it was the company policy and that there was nothing they could do to help. After month of the run around I decided to buy a new car with a different lender. I called Santander to tell them to come and pick up the car i was no longer paying on something that was not in my name and reporting negativity on my credit already. I would like this to be removed from my credit report. I have tried to reason with them and work out the situation but have gotten no where in 2 years. The account is reporting negativly as a charge off on my credit report it is my ex husbands car and im paying thee price. This has affected me for 2 years now and is unfair. They hold you over a fire and are not willing to help you when you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/22 i received a call from rent recovery where i spoke to XXXX and advised him to stop contacting me and i was paying the debt directly to the creditor and not this collection agency but he advised me i could not do that which is a lie because i spoke to the original creditor and was advised i could. He then proceeded to call more than 2 a day and up to 5 times per week, even after being asked to stop contacting me, he is still continuously harassing me with multiple phone calls a day. 

on XX/XX/22 he called 3 times that day on XX/XX/22 he called 2 times on XX/XX/22 he called 2 times he is calling way more then 1 time every 7 days and is XXXX me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: LEXISNEXIS
State: IL
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:
LEXIS NEXIS RISK SOLUTIONS, a financial institution and credit reporting agency operating in commerce for profit by regularly furnishing bankruptcy public records obtained from XXXX, is currently furnishing my personal identifying information without my written consent, authorization, or permissible purpose. 

LEXIS NEXIS RISK SOLUTIONS is currently furnishing, selling, and trafficking my personal information to various XXXX XXXX such as XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and others which I may be unaware of. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). LEXIS NEXIS RISK SOLUTIONS, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. 

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX BANKRUPTCY COURT XXXX XXXX  BANKRUPTCY XXXX XX/XX/2016 XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX dated XX/XX/2017 stating the following : Dear XXXX, You have already paid XXXX {$3700.00} and we want to help you resolve this account once and for all. Call XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time XXXX. would like to thank you for paying {$3700.00} signed XXXX Division XXXX I called XXXX to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: DLC, LLC
State: SD
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
My identity was stolen and a loan was open using my ID and other information. I have mentioned this to Dollar loan center as well as provided legal documents. This account has been reporting for 6 and half years and should be deleted. Also the account is showing closed with no closed date populated on my credit. It is reporting as a collection item with {$920.00} balance. This is preventing me from getting a home loan and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 there was a security deposit deducted from my account but I cancelled the contract, in writing, within a 72hr period in accordance with the Truth and Lending Act. However, I was unsuccessful in getting a refund from the merchant and therefore I called my bank because I was unable to dispute the matter online. After the correspondence with the bank on XX/XX/2020, I believed the funds would be returned since I was unsuccessful with the merchant and talking with them is the first requirement to dispute a transaction. I completed the proper paperwork with accurate and detailed descriptions of the correspondence and even faxed the proof over to the bank. However, I was also told by the bank that they would be taking back the credit on XX/XX/2020 and I do not believe that was fair or a thorough time frame to investigate the facts of the dispute. Whenever a bank needs to TAKE your funds there is no issue at all, however there is always a big hassle or extreme difficulty to get YOUR funds RETURNED. Since the dispute has been closed, I have not heard anything else from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Account status incorrect

Complaint:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. Equifax is showing my payments go from XXXX to XXXX late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Credit Karma, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Im a member of Credit Karma. I went to my account and it showed I was preapproved for a personal loan with a company by the name of XXXX. My approval rating was outstanding along with the preapproval. 

I filled out the application, even added my bank information for automatic payments on the loan. I received an email immediately afterwards stating my loan was cancelled and I was denied. 

I immediately got emails from my credit monitoring companies that there was a hard inquiry. My credit suffered another drop immediately. I feel that I was misled by Credit Karma. I am very upset because Im currently trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was money out in my account from I dont know where and my account is negative XXXX XXXX dollars and I have never put a check in or touched the money there can you please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, XXXX, and TransUnion refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, XXXX, and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.

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