BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA insured mortgage. XXXX was the loan originator for my home loan. BANK OF AMERICA became the servicer. In XX/XX/XXXX I requested a loan modification thru BOA, on behalf of a conselling reguest from 'XXXX and XXXX '. The forms were submitted and I alsoprovided sworn affidavits to the need. My income sourec is XXXX due to my XXXX. My XXXX was present since XX/XX/XXXX and the originators created and approved my loan based on my XXXX income. BOA serviced my loan with the knowledge as well. My income is indigent and my expenses with cost of living exceed the unearned SSA. I requested the modification based on that. BOA is refusing to follow FHA/HUD guidelines. MYy credit reflects poorly as a result. they have failed to apply the payments in the proper sequence according to FHA secretary rules where escrow, insurance and taxes are paid. my credit reports absent payments which is not true. I have been consistent with monthly payments. My credit should report and state partial payments made monthly. The BOA agentsd have also failed to take in consideration the ratio determination to my income vs expense which is also an FHA rule. IL laws also protect the homeowner with rules and BOA is failing to abide by the terms. BOA is also counting foodstamps as gross income. when it is NOT. BOA has inflated my gross income by {$400.00}. to suit their need. And I have objected since I DO NIOT HAVE ANOTHER SOURCE OFINCOME. nor do I receive tax or any other maintenance. My food stamp amount is {$140.00}. and is based on my housing expense. The grossed up inflated income then mis calculates the monthly payment that I can afford. the FHA ratio for special circumstatnces of mortgage allows 31 % of gross income to be calculated for the mortgage payment. BOA is measuring my gross and payment with inflated terms and methods which cause an improper amount to be listed in a calculation and of course unaffordable to me. I have been trying to seek resolution for this matter for XXXX months. I ca n't be dis honest. BOA spends more money on overnight XXXX postage to me then the inflated true amount which could have served to resolve my crisis. I need this investigated. BOA has been sued due to illegal loan practices in XXXX IL for discrimination. I know I am a victim. My civil and human rights are threatened and this is causing me un necessary trauma. I am XXXX XXXX XXXX. I can not contemplate moving with bad ruined credit and inability to afford when BOA is violating my life and home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans

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
Consumer complaint received 2021-02-19
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I used CFPB XX/XX/XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low XXXX by SOUTHEAST TOYOTA FINANCE. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XX/XX/XXXX8 ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX ). 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XX/XX/XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX  YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client World Omni Financial Corp. d/b/a SOUTHEAST TOYOTA FINANCE has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & SOUTHEAST TOYOTA to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, SOUTHEAST TOYOTA DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my XXXX years in XXXX  XXXX XXXX WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my latest credit report, I have noticed several credit inquiries from XXXX and XXXX of 2020 which were never authorized by me and I have never applied for 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent an electronic dispute request to have a few accounts removed from my credit report where I am listed as an authorized user only. One is showing with XXXX XXXX XXXX and the other is with XXXX XXXX XXXX XXXX. 

Nothing has been done to have these accounts that I am not responsible for removed from my credit report. It has been well over the allowed 30 day period and I need to have this resolved.

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 2017-01-11
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After my uncle was put in the XXXX I found out he had n't paid land taxes since 2012 and the tax commissioner was going to auction my family heirs property to settle the debt. I was told by ebay customer services reps and mangers that I had completed all the requirements necessary for my funds, to not be held after a sale. I listed my tractor for sale on ebay, and a buyer contacted me from XXXX. I live in XXXX and we both agreed to meet in XXXX at my property for him to check out the tractor. We agreed upon a price and he submitted a offer while we were in XXXX and I accepted while we were there. He paid on the spot thru Paypal and now eBay is holding my money saying I only have XXXX transactions. According to their rules it does n't say XXXX transaction in a 12 month period it says XXXX transactions which I have. 

XXXX XXXX law states that proceeds received from the sale of payment instruments or money transmission net of fees charged and retained by the authorized agent shall be remitted to the licensee or the licensee 's depository financial institution by such means as the licensee shall require within five ( 5 ) business days from the date of the sale or issuance of payment instruments unless more frequent remittance is required by the Department or the licensee. 

The buyer has the tractor, and has left positive feedback and has called ebay on my behalf to pay me. ebay and paypal is just making money off of my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I applied for and got a American Express Gold card on XX/XX/XXXX as part of a promotional offer, that offered 60,000 reward points after an initial spending of {$4000.00} within the first 3 month and the annual fee was {$250.00}. I was expecting the annual fee to be charged to my account after one year of service, i.e after XX/XX/XXXX, as there was no indication of the schedule of this annual fee in the card member agreement that was provided to me. 
However unexpectedly the annual fee was charged to my account on XX/XX/XXXX, with in a few days of me opening the account with American Express. I contacted customer care online via web chat on XX/XX/XXXX and was told that Annual Fee is charged during the first billing cycle and that it is mentioned in the card member agreement. 
I looked in my card member agreement again and couldn't find any reference to the fee schedule ( i.e date when annual fee will be charged ) and I contacted customer care again on XX/XX/XXXX via web chat and this time, the customer care team looked in to my agreement and agreed that the annual fee schedule ( i.e the date when the would be charged ) is not mentioned in the agreement. I requested the annual fee be refunded, in the absence of clear communication in the card member agreement, as this would be a breach of trust and amount to arbitrary charges on my account. However AMEX refused to refund the fee and this complaint is now raised to resolve the issue. The card member agreement and the last chat is attached herewith. 
Apart from refunding my Annual Fee, I want AMEX to include in clear wordings the date when this charge will be charged in every card member agreement, including mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.

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 2015-05-20
Company: Professional Finance Company, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted XXXX about a collection account on my credit report. I had no knowledge of this account and have never used XXXX. I have never lived at the service address on file with XXXX. I have never used XXXX and have never set up an account with them. I asked them to provide any documentation verifying I was the one who set up the account and they could not because I was not the one who set this account up. They have no lease, no picture ID, no signature, and did not have my permission to set up an account in my name.

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 2015-09-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint 1 in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint 2 : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint 3 : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX comment-XXXXAll the Best, XXXX XXXXPS : not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed account with Experian and XXXX that were reporting incorrectly. Accounts that were not mine. XXXX deleted the accounts. Experian has refused to even acknowledge the accounts were disputed as attached will show in the comments section that there is nothing listed. Ad part of the FCRA it is my understanding that it should show the account is in dispute. The Attachments I am submitting will show the accounts. Hopefully they will do their job and remove the accounts just as transunion and others have because they do NOT belong on MY report. Thanks!

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 2021-02-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My divorce has been final and I sent what the court has giving me as the discharge documents which its just the one sheet and doesn't outline what the Mortgage company PHH has said. My Ex may have it but I don't have access to it. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with Transunion Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Transunion could not conduct a fair and impartial investigation of my dispute. I was told by Transunion more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Transunion rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Transunion and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for XX/XX/XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection the loan was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief