BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To whom it may concern, I submitted a Multiple Inquiry Removal dispute via Equifax 's online portal in regards to XXXX hard inquiries, that was being reported on my credit report. They received the request on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response the EXACT same day after the receipt of my request one can assbume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove 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 2016-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Amazon Chase Visa credit card for purchases I made on XXXX. I changed banks and set up my bill pay on a new system. Amazon XXXX said I was late and charged me a late fee. I checked with my bill pay and it showed the payment had been received on the same day it was due and the same day I was charged a late fee. Amazon XXXX did credit back that late fee. The next month I was one day late. I had informed the credit card my newness to my new bill pay but irregardless I was charged a late fee. Because this card had no grace period what so ever and did not take into account my high credit rating or good customer history I decided to pay off the credit card and stop using it. So I paid the credit card off before it was due that next month. With a XXXX balance I had an item to return and that left a credit on my account. I requested that credit so that the account would be XXXX and I planned on putting the card away. Then I get a notice that there is another balance on the credit card that it is interest on purchase. So I contacted them and was told that it was interest from the following month. I could not believe it, the charge did not show up until the very day I asked for the credit balance to be issued to me. They would not take the charge away so I once again paid that balance and now closed the card. I can not believe how they can charge you on a XXXX balance account. I plan to also write Amazon about their endorsement of this credit card. Ive had many credit cards, I have excellent credit and never had as much trouble with any other credit card especially about charges if I pay the balance off. They have no grace period and charge the late fees on the due date and charge a delayed interest on XXXX balance accounts. This just isnt right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
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  is reporting a loan that was paid off with Rushmore LMS as a foreclosure. I have disputed the remark in my credit report 3 times both with XXXX and with the lender and they continue to fault each other for the mistake. In the three occasions, XXXX  has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX  and XXXX  report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX  decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ).

Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: NV
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:
My names are incorrect on my credit profile. There are also inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My names are incorrect on my credit profile. There are also inquiries that I did not authorize.

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 2021-08-01
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:
I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX  XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX  XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX  XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX  XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attach with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service. If they fail to delete it from my credit report then I will report Transunion to the XXXX XXXX XXXX, file a complaint against them with my state Attorney General and also take legal action as necessary to get the matter fixed.

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 2020-04-01
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Requested Debt Validation on XX/XX/2020, from Ameri Financial Sol, which I requested a list of extensive documentation that gave the company the legal right to inquiry about this debt and place this so called debt on my credit report. Listed below and document attached below I've requested the follow : " Please attach a copy of the agreement with your client that grants Ameri financial Solution the authority to collect this alleged debt.

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

Please attach copies of all statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for Ameri financial Solution, in case legal action becomes necessary : You must return this completed form along with copies of all requestedinformation, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter.

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back. '' Ameri Financial has failed to provide the necessary legal paperwork to prove that I am legally liable for the debt they are claiming I owe. Providing a billing statement does not legally give a collection agency the legal right to pursue collection. By federal law they must show proof that the consumer is legally responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The only way to obtain essential document is thought a fax machine. I do not have a fax machine all of my documents are via e-mail. This mortgage was obtained from XXXX XXXX XXXX just over a year ago. Carrington Mortgage Service will only allow changes to the Escrow Account or PMI with these foams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: On Q Financial
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Q Financial, Inc solicited me for a mortgage refinance. I worked with a loan officer named XXXX XXXX who provided me with a loan estimate. Based on the financial information presented in the estimate, I decided that the savings I would see each month in my monthly payment from the lower interest rate and lower PMI it would be worth my time, money, effort, and hit to my credit score. He quoted me a PMI of $ XXXX/month. I filled out the loan application and provided all of the requested documentation. While waiting for conditional approval of my loan, I started receiving email communications from a few other employees regarding my loan. A new loan officer had taken over my loan and I had learned that XXXX was no longer with the company. I then emailed my new loan officer, XXXX XXXX, to ask if it were possible that I might be eligible for a lower interest rate or pmi than I was quoted based on the fact that my appraisal came in XXXX higher than anticipated. He said he would look into it. His response was a closing disclosure that had a higher pmi and a higher loan amount. In discussing the disparities in cost between the loan estimate and the closing disclosure, XXXX told me that he could not figure out how XXXX came up with XXXX for the PMI. He concluded that he must have entered the number manually and that he shouldn't have done that. I explained that the only reason I decided to proceed with procuring the loan was because of the savings I was quoted. XXXX said that the best rate he could find me was XXXX. He said that he was pretty sure that his company was going to have to eat the cost of the difference. He also said that underwriting was still taking a look at it to get it fixed on my disclosure. After a few days had passed I got a phone call from a VP at On Q to tell me they could not honor the pmi I was quoted and that my only 2 options were to either accept the new loan terms or cancel. He said that he couldnt legally pay the difference of my pmi. 

I believe that he is trying to prey on my ignorance of financial laws and regulations. I don't believe that an increase in pmi is justified when I didn't ask for any loan adjustments and my appraisal actually came in higher than anticipated. I have a feeling that I was duped into pursuing this loan by being quoted numbers that would sway my decision. Please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from Bayview Loan Servicing. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to Bayview. 
I called Bayview they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from XXXX XXXX. I received a Notice of default dated XXXX XXXX and no modification. I called Bayview and the said everything was sent to XXXX XXXX and they would honor the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment to Chase on XX/XX/2016. This payment was lost by Chase. The replacement payment was made in timely fashion and I supplied Chase with proof that the original payment was made timely. To date Chase has refused to clean up my credit in spite of the fact that an explanation and proof of timely payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a complaint with CFPB (  XXXX  ) an d Shellpointe ha s responded to you and I have seen the response. I have attempted to contact them but they will not respond to my calls. I would like to know the status of my refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I submitted a complaint to you ( complaint # XXXX ), because Bank of America refused to close my credit card account. I have paid them in full and even had a credit balance ; sent them a letter then contacted you.

After submitting my complaint to you, I received a letter from Bank of America, ( dated XX/XX/2021 ), stating that my account ending in XXXX had been closed. 

Additionally, I received an email from you advising me that the case had been resolved and closed. It appears that it has NOT been resolved. 

On XX/XX/2021, I received a statement from them wherein, the not only took my credit balance, but advised me of upcoming service fees AND late fee penalties, if the service fees were not paid!!

They apparently HAVE NOT CLOSED MY ACCOUNT.

Can you Please assist me in getting BOA to close my credit card account, as I no longer wish to have this credit card account open.

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 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Previously submitted consumer complaint Case number : XXXX and case number XXXX about the Bank of America My Access Checking Account number ending in XXXX is STILL in question. In XXXX during a phone call with a Bank of America representative, I asked them to check about allegations of " Account Abuse '' Bank of America reported to XXXX rendering me unable to open a new account. It was only at that time they notified me I had an account number ending in XXXX which had been closed with a - {$530.00} balance. When asked why I was never notified via mail, email, phone, or any other means as this is the law when recovering a debt, I was told it was an " oversight ''. Not only that, in the time Bank of America claimed to have closed this negative account I owed {$530.00} on, I applied for, and was approved for a Bank of America Mortgage, and NEVER, NOT ONCE was this account or outstanding balance EVER mentioned. I was taken aback and confused as to how a creditor Bank of America can report " Account Abuse '', and not notify the debtor. MOREOVER when I login to my Bank of America account to check and pay my mortgage, the checking account in question, the account Bank of America claimed to have closed on XXXX XXXX, XXXX is STILL ACTIVE with a positive current balance. To clear my name, and clean my XXXX record, I agreed to be proactive and set up payment arrangements to clear this " debt ''. A consumer protection file was opened twice as I was never notified, and I could not fully understand how this is account abuse when under my Bank of America profile, there is a My Access Checking account number ending in XXXX opened 7 years ago with a current balance as of XXXX XXXX, XXXX of {$960.00} ( documents included ). So where exactly did the {$530.00} and {$11.00} I paid? This is the amount claimed by Bank of America to be owed to them go? It appears that Bank of America is the one who should be charged with account abuse.

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 2016-07-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX switched over the credit cards from XXXX XXXX to Citibank Visa card on XXXX XXXX, 2016. 
In process all the charges which were made on my XXXX XXXX were also transfered to Citibank ( without my knowledge ). My XXXX account was set up for autopay and would have been paid by end of the month. But because of this transfer, Citibank charged me the late fee and interest. This is a huge inconvenience and bad practice.

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 monetary relief