BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-02-27
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After leaving school I had tried to pay back my private loan with NAVIENT. I am currently unable to pay the XXXX a month payment that they say I can not lower. I receive letters in the mail saying they will send my account to their legal network for litigation if I do not submit payment by XX/XX/XXXX. I have already made a forbearance because it was the only option that I could afford, which brought me only temporary relief until the calls kept coming. I offered to make a smaller monthly payment but they said that I could not do that, only the payment upwards of XXXX $ was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
As part of the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), a letter was sent certified mail on XXXX XXXX, to Equifax, requesting the following information, and to date - Equifax has failed to comply. 

1. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. I am due a new and updated Credit Report, at the closure of each dispute item. 

I also have no updated Credit Report, and as per the same act - Equifax is mandated to supply XXXX to me and has not. 

Attached is the letter sent to Equifax on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX IS KNOWINGLY REPORTING FALSE INFORMATION TO ALL CREDIT BUREAU 'S. THEY STATE I OWE {$700.00} FOR UNRETURNED EQUIPMENT. I TURNED THE EQUIPMENT IN OVER 5 MONTHS AGO. THEY FIRST STATED THEY COULD N'T FIND THE EQUIPMENT, THEN THEY SAY THEY DID FIND IT AND ISSUED ME A RETURN TICKET NUMBER THAT I WAS SUPPOSED TO BE ABLE TO USE FOR XXXX TO VERIFY THE EQUIPMENT HAD BEEN LOCATED AND THAT I WOULD SEE THE ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO THEIR NEGLIGENCE. I SEEN NO CHANGES IN MY REPORT OVER THE NEXT WEEK OR SO, SO I CALLED TO CHECK ON THE STATUS OF THE UPDATE. UPON CONTACT WITH A SUPERVISOR BY THE NAME OF XXXX IN THE BILLING DEPARTMENT, SHE CLAMIED THE EQUIPMENT HAS NEVER BEEN LOCATED, AND THERE WAS NO SUCH RETURN TICKET NUMBER ON FILE. SHE ALSO STATED THAT THEY KEEP A LOG OF NOTES ON FILE AND THAT I NEVER CONTACTED THEM BETWEEN NOW AND XXXX. I 'VE CALLED OVER XXXX TIMES IN BETWEEN NOW AND XXXX, AS WELL AS AT LEAST XXXX TIMES SINCE THE ACCOUNT WAS CLOSED. NOT ONLY ARE THEY FALSELY REPORTING A DEBT THAT I DO NOT OWE, THEIR LYING TO ME AND I HAVE A LOG OF DATES, TIMES, AND REPRESENTATIVES THAT I HAVE SPOKEN TO ON SEVERAL OF THE PHONE CALLS I HAVE MADE.THIS COMPANY HAS MADE NO EFFORT TO CORRECT THEIR OWN MISTAKES, THEY SAID I JUST HAVE TO WAIT TIL THEY FIND THE EQUIPMENT ( WHICH HAS ALREADY BEEN FOUND ), AND THEY WILL KEEP REPORTING THIS DEBT ( FALSELY ) UNTIL ITS LOCATED. THIS IS NOT ONLY UNFAIR, BUT IS A VIOLATION OF MY RIGHTS! I HAVE BEEN DENIED CREDIT, LOANS, REFUSED CAR FINANCING, DENIED APARTMENT LEASES, AND HAVE SUFFERED GREATLY OVER THE PAST 2 YEARS DUE TO THE NEGLIGENCE AND IMMORAL NATURE IN WHICH THIS COMPANY CONDUCTS BUSINESS OPERATIONS. I LOCATED A XXXX COMMUNITY ON THEIR WEBSITE, ONLY TO FIND THAT I AM NOT ALONE IN THESE ISSUES IM HAVING WITH XXXX. THERE ARE DOZENS OF FORMER CUSTOMERS STATING THEY HAVE HAD THIS EXACT SAME ISSUE. I JUST RECENTLY GOT THEM TO DELETE A DEBT FROM 2009 THAT WAS FRAUDULENT, AND I REPORTED IT TO THEM YEARS AGO. THE AMOUNT OF TIME IT TAKES THIS COMPANY TO RESOLVE INACCURATE INFORMATION IS RIDICULOUS AND SOMETHING NEEDS TO BE DONE ABOUT IT! THEY LIE ABOUT EVERYTHING, AND I FEEL HIGHLY INSULTED THAT THEY TREAT THEIR CUSTOMERS THIS WAY. IF IT WAS N'T FOR THESE DISHONEST, DEFAMING, AND MALICIOUS ACTS COMITTED AGAINST ME, I WOULD HAVE PERFECT CREDIT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed :

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 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm trying to obtain employment I have XXXX inquiries on my credit report do to fraud Trans union refuse to help a victim of Identity theft they keep giving me the runaround please help me they can remove them they just refuse too

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 2015-07-28
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter statementing that I will start being charged for prior service fees/expenses that were incurred and paid for while green tree was/is servicing my loan ( that date back to XXXX XXXX Green Tree has been servicing my loan for about a year and a half now. The expense description is " appraisal-inspection fees '' in the amount of {$15.00} each totaling {$300.00} for outstanding balance which they are roll into my monthly payment. They can give no further explanation or information other than they were previous fees and from a previous servicer that I am required to reimburse them ( green tree ). This is the first I have heard of these fees in the 10 years I have had this loan, it was never disclosed to me nor authorized by me. I have also on several occasions been yelled at and talked to in the most absurd unprofessional manner. I have major concern that these are not legitimate charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage thru Greentree ( Ditech ) and had to do a short sale in 2012. They dragged their feet on processing a buyer I provided for them. Eventually it went thru. I received an official document dated XXXX/XXXX/2012 showing that my mortgage was discharged with a Satisfaction or Release of mortgage. Now I am getting demand for mortgage payment from Ditech on that same mortgage and they submitted to credit reporting agencies a delinquency, which has adversely affected my credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to TransUnion on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
the investigation was not thoroughly done. a collection agency is fraudulent saying i owe money to a previous property management customer from a customer i represented. we never went to court. before i closed the company we had a dispute over repairs and amount owed. this is not a personal debt or a loan.and the credit collection agency has no proof of such.

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 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted TransUnion in regards to an old XXXX account that had been illuminated two years ago due to ID theft and was placed again on my credit report by an agency who was resold the debt. The other XXXX credit reporting agencies have removed the item yet TransUnion claims the item needs FCRA requirements.

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 2016-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....

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 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I donot have a XXXX account please remove from credit report I called XXXX they do not have any information on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Not a duplicate. To be delivered to each CRA at issue. In XX/XX/2014 the XXXX division conducted an investigation into acct # XXXX and determined that the item should be deleted from my credit report as I was never behind in payments. Even though another CRA was in compliance with removing this item, TransUnion failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014 by the 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
Consumer complaint received 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.

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