BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking account was secured as a Free/No Cost account. My employer direct deposits to 1 of my 2 Checking accounts with the institution. They charged a first time Checking account Maintenance fee of {$12.00} in XXXX. According to their service agreement, which was changed with out my knowledge/permission, I am required to have a direct deposit of more than {$250.00} per statement period. I receive my direct deposit to my alternate checking and simply transfer lump sums more than {$250.00}, on a regular basis. The practice to punish me for simply not having the same direct deposit to the same institution split between my two accounts is unfair & deceptive.

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 2021-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account:XXXX debit:XXXX dispute chase bank my debit:XXXX been close since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 applied for a loan and was declined because they report a mixed information and a deceased information. 

I called transunion and they claimed no records since I have itin # ( I paid taxes and run a business with that # XXXX Attach proof of report from transunion

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 2017-06-28
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: Problem with personal statement of dispute

Complaint:
I have made three separate requests for Experian to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Experian to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them.

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 2017-10-19
Company: Kashia Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: T2 Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I began a refinance loan application and process thru T2 Financial dba Revolution Mortgage. I had obtained a home loan to purchase my home the year prior with ease and was looking to refinance with rates dropping so low. 

I was dealing with XXXX XXXX as a loan officer. Everything seemed to be going along well albeit it was taking a long time 60+ days. When we got to the point of scheduling a close date, I was then dealing with not only XXXX XXXX, but another person, XXXX XXXX. They then began to make the process complicated and difficult ; first by having me have to deal with 2 separate people, but then began demanding more and more information after I was already approved for closing and they had already requested multiple payoff statements from my current lender ( to which I was charged each request for a total of {$50.00} ). They even contacted the title company about closing, only to then delay the process by continually asking for more information, even after I provided it. They would claim it wasn't detailed enough or anything they could to delay my closing. 

In my opinion, especially after dealing with multiple home loans in my life, this company never intended to close and was making things more and more difficult, including cancelling my loan without my implicit request to do so, just to get me to walk away so that they didn't have to deny me outright. 

I have demanded that they reimburse me for my incurred fees due to their incompetence and that they remove their credit inquiry from my near perfect credit score so I can go with a more reputable and competent company. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

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 2017-10-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2019-07-24
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company called Mariner Finance originally lent me {$1500.00}. Throughout the course of my relationship with the company additional loans and adjustments were made. 
Just because I got behind in the payments the company started making threats which began with a young lady in their XXXX, NJ office who mentioned the threat of legal action. 
Not because I wouldn't pay but because I couldn't pay it due to other bills that had to be paid. In a letter dated XX/XX/2019 one of the paragraphs reads as follows : The continued delinquency of your account has led to its potential referral for legal action to collect the balance due. Demand is hereby made for full payment of this debt to Mariner Finance. Payment in full, including any additional interest or costs that may accrue must be received with in ( 15 ) days of the date of this letter or suit will be immediately filed against you unless alternative arrangements are made. Once the judgement is made against you, Certain assets securing your loan may become subject to actions for collection and counsel for Mariner Finance will use all lawful means available to collect the total amount owed including the accrued interest, fees and costs. Mind you I just received this letter XX/XX/2019.

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 2019-07-24
Company: CNG HOLDINGS INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted, and the company XXXX XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from Tempoe has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.

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 2019-07-24
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple attempts were made to receive information about the debt, including what it was for, associated fees, dates etc. such requests were all made within 30 days of receiving notice. 10 business days later I was contacted by an agent trying to collect the debt, with no responses made to previous requests for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IL
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 recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Why did portfolio recovery solutions run my XXXX   Credit Report without my permission? I now have an inquiry from them. This makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charged off account with XXXX from XX/XX/XXXX, it was charged off as closed. Jefferson capital reopened the account as owed in XX/XX/XXXX, this account would be off my credit and they have opened an incorrect account that was closed. This is not an accurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.

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 2022-05-04
Company: United Collection Bureau, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

United Collection Bureau account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
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 recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.

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 2017-06-28
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Near med XX/XX/XXXX I open the Sears master card there was a purchase of things cost {$87.00} - {$36.00} as credit the balance is {$50.00} In 23 same Mounth XX/XX/XXXX I left out side the country my mail collected by a freind I came back to america XX/XX/XXXX going thrghue my mail find out the credit balance and charges inXX/XX/XXXX i went there discosed the charges they wave one of the charges and pay the balance of {$120.00} and close my account I explane to them my setwaytion and why i did not pay that bell that if I am in the country i will pay it on time but they report it. It is affecting my credit report what can I do? will you pleas luck at it and do some thing to clear my report of this bad credit thank you Sincerely XXXX XXXX phone : XXXX Email : XXXXXXXXXXXX

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