BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been in the process of modifying our mortgage, which is an investor-owned mortgage with XXXX, serviced by Bank of America. We began this process back in XX/XX/XXXX ; I requested a modification because the term of the existing modification had expired. More importantly, I have a new job overseas, which will result in a significant reduction of income. Long story short, Bank of America has made this process a complete nightmare from the outset. They are either willfully incompetent or are wittingly engaged in illegal activities. They have made agreements in bad faith regarding the removal of the escrow account they they added in error in the first place ; they did irreparable damage to our credit ; they put me at risk of losing my job. They previously added an escrow account to the loan which they themselves advised was NOT REQUIRED for our loan program. 
After 7 months of the back and forth, our customer account manager changing XXXX times, we were going to opt out of the modification because there seemed to be no end in site that would be advantageous to our family. Why would we sign up for a loan to modify our existing payment that is MORE than what we were paying? 

After posting my displeasure via social media, we finally got some response and are currently in the closing phase of the loan modification. However, it has been stalled for the past 3 months because BOA lost the original loan documents. We signed the loan documents on XX/XX/XXXX. We had to download the documents from BOA 's loan portal because we can not receive XXXX XXXX and BOA would not mail to our overseas address because it is a XXXX XXXX . I called BOA to advise that I sent the documents as instructed in the cover letter to a XXXX XXXX in XXXX XXXX, CA. However, learned on XXXX XXXX that the forwarding service had expired on that XXXX XXXX and it was supposed to be returned to me. However, I just checked the tracking on XXXX that the documents were signed for by XXXX at Bank of America in XXXX TX on XXXX XXXX. They have held unapplied funds for 3 months - even though we have made the FULL contracted payment, charged late fees, and reported us for non-payment/delinquency, while we have patiently waited for our loan to close. I did try to contact XXXX via the XXXX Manager but there has been no real follow-up on my inquiries since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Core Advisory Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX and I made initial contact with Core Advisory Group back on XXXX XXXX, XXXX. I received a letter in the mail stating that they could help me reduce my payment and stop my foreclosure. I was told that their lender dispute program would stop my foreclosure and force my mortgage company to modify my loan. They promised me my situation that they could stop ay foreclosure procedures and my loan modify and payments lowered but that is by far the truth. I sent them all my information and they told me my loan modification package has been submitted and now I just need to wait for a final answer. I received a letter from my mortgage company in XXXX XXXX saying my loan modification had been denied. This company knew I would n't qualify and I have told them before hiring them that I was denied in the past for not having enough income and now they tell me I needed to show {$1000.00} more to qualify? Should n't they known this before taking my {$4500.00} that I paid them just to tell me the same answer that my lender told me which I do n't qualify for a loan modification! They told me they are redoing my information and resubmitting it but at this point, I ca n't take my chances with them as I lost faith in this company so I demanded my money back. After that they made me fill out this package in order to get my refund and this at the beginning of XXXX XXXX and it took them until XXXX XXXX just to offer me {$350.00} back?? This company is a joke, a scam and they need to be shutdown. I want my money back the full amount. They have illegally taken my money upfront which is a violation to the XXXX rule and they still did it and provided no results. How insulting is that they did n't know whether they can help me but lied they can but ca n't and take {$4500.00} and at the end offer to pay back only {$350.00}? I hope and pray the authorities lock these crooks up. To make matters worse, I had found out that the owner XXXX XXXX of Core Advisory Group is the same guy that owned Colleagues in Law that he got rid of which does the same thing offering loan modification service. What did this guy just XXXX everyone, take their money and change company name and nothing happens to him? He needs to be in jail. Please help me get my money back from this clown.

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 monetary relief
Consumer complaint received 2022-10-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a forbearance agreement with Cardinal Financial due to a Covid-19 hardship ( Reduction of work hours ). That agreement ended on XXXX/XXXX. I have called Cardinal at least a dozen times and informed them I wish to pursue XXXX XXXX Flex Modification for COVID-19 Impacted Borrowers. I have sent in the XXXX twice with email confirmation received. I have received no further communication from Cardinal to work with me on a Loan Modification as required by the CARES act. Today I received notice from a credit monitoring service that my loan has been reported delinquent to the credit agency despite this not being permissible by the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX  XXXX {$20000.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} XXXX  XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX {$12000.00} XXXX XXXX   XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: ALLY FINANCIAL INC.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt, previously handled with the original creditor as fraud, : XXXX XXXX, this agency now and has been for years attempting to collect a debt that is fraudulent and previous disposed of through the original creditor. I am tired if this XXXX year old issues tat I believe his way past it's time of collecting on anyway. They have scarred my credit for years and offered NO attempt to assist in handling bilthis ad what bit is, fraud!

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 2020-01-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am complaining against Macy 's as they are taking aggressive steps to request payment on my Macy 's Credit Card. 

I contacted a CSR on XX/XX/2019 ; expressing a hardship, and they Debt Collection Agencies have contacted me on EVERY day ( At times, 4-5 times a day ; including weekends ; and after XXXX XXXX. ) since ( Including Today ) calling requesting payment.

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 2017-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They state my information has been affected. so without my consent my information was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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 WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: American Credit Acceptance, LLC
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 have an can loan that I made a payment arrangement with due to covid, they said that it would not report to my bureaus, and reported it " affect by natural disaster '' AND reported it as 30 days late! I was in the middle of purchasing a home and got declined due to the late as it dropped my score by XXXX points. They made a covid arrangement with me on the payment and then STILL reported me late as they assured they wouldn't as it was due to covid. I have never been later ever and it was just for one month. They said they could remove the " affected by natural disaster '' on their side and would dispute it was the bureau but I never did and it wasn't changed. They said they are not allowed to just remove the lates on their own and I need this fixed immediately to have any chance to save my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion offers credit reporting, and asks for personal information including credit card information. It states in several places that this information is used for their reporting, and there is absolutely no mention of a dollar amount or charge. They then charge anybody who enters this information {$25.00}.

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 explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without 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 explanation
Consumer complaint received 2020-08-06
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection amount is {$300.00}. I have not been a XXXX customer since XXXX or XXXX. I was stationed overseas in XXXX when the collection account was opened. I have never been contacted or notified of a collection prior to it showing of on my credit report XXXX XX/XX/XXXX. I contacted the XXXX customer service but they said they already sold my account to Jefferson capital systems collection agency without noticing me. I didnt owe money to XXXX because when I closed my account in XXXX or XXXX, I paid all my bills over the phone with a lady from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Santander Consumer USA Holdings Inc.
State: DE
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 had an auto loan with Santander. The vehicle was subsequently totaled. My insurance covered some of the loss while the gap insurance I had covered the remaining balance and sent the remainder owed to Santander. Santander then argued without merit that they were owed more money. Santander has put a delinquent account on my credit reports and refuses to remove them even though they are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX appears on my Transunion credit report after I've notify Transunion of the multiple inaccuracies and Unverifiable information currently being reported. 

Name & address on debt be collected could be inaccurate and Unverifiable, a violation of FCRA rules section 1681 Account balance and payment history might be incomplete and inaccurate a violation of FCRA rules section 1681 Date of last activity could be inconsistent and inaccurate a violation of FCRA rules section 1681

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 2016-10-23
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XX/XX/XXXX of this year XXXX and my husband applied for a loan. We were denied because of excess collection accounts and other credit issues. Since then my husband has been working on getting things cleared up. In XX/XX/XXXX I sent several certified letters to different medical collection agencies and all have either agreed to or removed all my old debts except Central Financial Control. They claimed I still owed this debt which was paid by my husband 's insurance and was over XXXX XXXX XXXX which is past Texas statute of limitations. Instead they sent me XXXX documents from my recorded and my son 's record along with my XXXX daughter 's record with the procedures and charges for them. My husband has works as a healthcare professional and informed me that this was a violation of my HIPPA rights and those of my daughter and son 's since the paperwork had hospital stickers and information on them. I did not give this company any written permission to have these records of me nor did my XXXX daughter when I asked her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently received a notice that Capital One has reduced my credit limit by {$4000.00}. I have been with them for an extended period of time. I have never been late nor have I had any problem with them. 

I can see no legitimate or logical reason for them to do this. 

This action taken by Capital One has now negatively affected my credit score because it has changed my Credit/debt ratio. This is through no fault of my own and the reps tell me that they are not authorized to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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: Information belongs to someone else

Complaint:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: NY
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of 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 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$1500.00}

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 explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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