BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America charged me {$850.00} for purchases I never made with a credit card that was never delivered to me ( on XX/XX/2022 ). It's been more than 60 days after disputing these charges directly with BoA and they keep charging me with minimal payments and late payment fees. 
All I received was a letter dated XX/XX/2022, informing me that BoA is researching this claim without any update despite several phone calls. I know the FCBA law protects me from making payments on fraudulent charges so I request your help to complain against BoA and get a positive response.

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 2017-03-01
Company: Alliant Capital Management LLC
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has mixed my data with my twin brothers once again XXXX. Thought we had it solved in XXXX, then again in XXXX, XXXX and the issue pops up again. His mortgage, truck loan, credit cards are showing on my report and mine on his .... basically doubling my debt and thus lowering my credit score plus gives trouble for me dealing with lenders.Ive already invested countless hours with this issue over the years and equifax continues to neglect their responsibilitys and continues to not permanently solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made a regular mortgage payment plus additional principal paydown ( {$1300.00} + XXXX = {$3000.00} ). I have been doing this for the previous 14 months. The company ( Pennymac USA ) treated it as two monthly payments ( XXXX and XXXX ) and put {$200.00} as a principal reduction. 

When I discovered this on XX/XX/2019, I called and wrote to them telling them that it was supposed to be XXXX monthly payment not two. They said that they would take care of it. 

I called back on XX/XX/2019 and asked why it hadn't been adjusted. They advised that they would put in another request to have it adjusted. 

With nothing done, I repeated called every few days and was always told that it was being worked on, but nothing was adjusted. 

On XX/XX/XXXX, I made my XXXX payment plus principal reduction ( {$1300.00} + {$1100.00} = {$2500.00} ). The company treated this as a XXXX payment, charging me the wrong interest. Again, I called and advised and was told this would be corrected. 

On XX/XX/XXXX, I filed a complaint with the Better Business Bureau. 

I was then contacted by XXXX XXXX at Pennymac in their complaint department. I explained the situation and was assured that he would take care of this matter. 

They then tried to fix the problem but applied my XXXX additional principal paydown in XXXX, resulting in them charging me too much interest. 

I spoke to XXXX regarding this matter and he agreed they erred and would fix this. 

On XX/XX/XXXX, they removed my principal paydown from XXXX, regular payment from XXXX, and principal paydown from XXXX, which now shows that I am in default for not making a XXXX payment, plus no principal paydown. 

I called XXXX and advised. He said " Senior Management '' was working on it and it would be resolved by XX/XX/XXXX. 

Nothing has been done as of today, XX/XX/2019 and I am receiving daily collection calls asking for a XXXX payment. 

I called both Customer Service and XXXX ( Complaint Department ) on XX/XX/XXXX and XX/XX/XXXX with no results. 

As the result of getting another collection call from Pennymac USA today, I fear that they will default my loan and also keep the money that was to be for an XX/XX/2019 paydown, as well as a XX/XX/2019 payment and XX/XX/2019 paydown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: OH
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-12-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 first investors gave me a balance of XXXX for refinancing my loan from Santander USA which was a illegal loan. The amount is inaccurate because its the same amount I originally purchased the vehicle for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle was totaled, declared a total loss on XXXX XXXX, 2016. WFDS/WDS has reported to the credit bureaus a 30 day late pay to all XXXX credit bureaus for either XXXX or XXXX, I am unclear on the exact. However I was told not to make payment as the car was a total loss XXXX XXXX. Attached is the letter from my insurance company via my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage loan has been transferred several times now, resulting in voided agreements and financial hardship. 

I received an " Annual Escrow Account Disclosure Statement '' with an " Analysis Date '' of XX/XX/XXXX by XXXX XXXX  notifying me that there was an escrow surplus and an " Escrow Refund '' check was mailed to me for {$3400.00}. I called XXXX XXXX  and I was assured that the money was mine and free to use so I used it for other living expenses. About a year later, I receive an " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}. XXXX XXXX  had used wrong data to calculate the projections of my escrow account, which resulted in a significant shortage. I then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}, then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6400.00}. The loan was transferred to my current mortgage company Flagstar Bank and the shortage continues along with voided agreements made between XXXX XXXX  and I, in which XXXX XXXX  allowed me to spread and pay the escrow shortage with no interest, penalties, or fees in a period of 36 or more months. Flagstar Bank ran their own analysis and continued to see the shortage and offered me 36 or more months but voided the previous agreement between XXXX XXXX and I. 

My monthly mortgage statement ( including principal, interest, and escrow - taxes and insurance ) started at {$900.00} a month, then it dropped to {$760.00} a month ( due XX/XX/XXXX ), then it went up to {$1500.00} ( due XX/XX/XXXX ) a month, then it dropped to {$1100.00} a month ( due XX/XX/XXXX ), then it went up to {$1200.00} ( due XX/XX/XXXX ) a month, then it went up to {$1600.00} ( due XX/XX/XXXX ) a month, and now it went down to {$1300.00} ( due XX/XX/XXXX ) a month. I am having a very difficult time paying this as a result of an escrow shortage that resulted from an escrow surplus that was clearly an error on behalf of the mortgage company which is now causing me adverse financial hardship. My monthly mortgage statement has increased 49 % since my first mortgage statement of {$900.00}. How is this even allowed? Are these not predatory practices? 

I called Flagstar Bank regarding my escrow account as there has been an escrow shortage originating from a previous mortgage lender in which I was granted an extension of 36 or more months and Flagstar Bank voided the 36 or more months agreement and tacked on the new shortage.

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: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking and savings account online with Chase on XX/XX/2020. Everything went well and I got welcome email dated XX/XX/2020 and physical welcome letter from them in following week. I also received debit card associated with my checking account. Surprisingly, I also received a letter the same day from the chase saying the accounts were closed that was dated XX/XX/2020. I tried to log in to the account online and it said the account is closed and a customer service number was mentioned to contact for further details. When I called the number the agent said I need to go to a branch for verification. I was surprised the agent said that account might have been closed if I did not respond to the verification call they must have made before closure and I am certain that I did not receive any calls from Chase before. I visited the branch the very next day i.e. XX/XX/2020. They tried to look into the matter and said they can not find a specific reason for account closure but the accounts are closed and can't be reopened. The only solution I was given was a new one. The problem was that I opened the accounts with a promotional offer of XXXX $ when you open a new account to chase : checking and savings, subsequently.The promotion was valid until XX/XX/2020. I requested the manager if they can give me the same promotion. They asked me to come next day i.e. XX/XX/2020 so that the agent can ask the specifics from the manager. I did call in before going to ask if same promotions will be added, they said yes. But due to some reason I missed going the said day. Instead I planned to go XX/XX/2020. I called in again before going to the bank and the representative who was dealing with me had been moved to another location. I requested the agent on call with the complete details to make sure my trip to bank is not wasted and she suggested to call me back. I heard back from her and she said the manager was in meeting and she can only contact the manager after the meeting. I asked her politely to give me a call even if the answer was no but I never received a call back from her or the bank. I felt no point in contacting the bank again. This is how Chase closed my accounts without any proper justification or giving any time to fix something that was missing and cheat me out of a great promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, NATIONAL CREDIT ADJUST failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XXXX 2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to Experian, XXXX, and XXXX  with no response. These 2 accounts are not mine and needs to be off my credit report immediately. 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 2017-03-23
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. 
This complaint refers to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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:
The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. ****In XX/XX/XXXX SELECT PORTFOLIO SVCIN is reporting a late payment to my credit report however, I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also.If you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'd like to be clear that the options presented for my complaint were not specific to my complaint or concern. 
I have an existing repayment plan with the law firm Zwicker and Associates regarding my XXXX credit card and have asked to help me reduce or skip my payment due to loss of income resulting from the pandemic of the corona virus. many of my other creditors have been more than willing to work with me with the exception of this law firm. They are telling me they cant help. It is ALL OR NOTHING and if I dont make this month 's payment this will void my agreement and will have to renegotiate my settlement arrangement. I have never had an issue making my payments in the past. I dont feel it is fair that they are not offering any options to help in this crisis that is affecting us and people all over the world. They are heartless and unfair. 
Zwicker and Associates XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.

Company response to consumer: Closed with explanation