BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am showing multiple inaccurate information on my credit report. I contacted the creditor and they gave me information about the open account. I have no knowledge of the account. I did not authorize to open this account.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX I am asking that these items be removed from my credit report.

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 2021-01-12
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This date was paid in full to the General Insurance company over 5 years ago. It was never in collections and it states that it is still open. Completely false.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!

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 2015-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased a home with high interest rate due to that I had a id theft in the past and it hindered my rates etc. We got the home in 2007 and we wanted a fixed rate, but rather gave us a var. rate loan. The whole time they never had our balance correct and the monthly fees were different each time. We could not set our budget due to the performance and actions of the lender. They kept telling us oh if we send this much then the amount would go down. Well there were times we sent XXXX or XXXX or less etc. and they never did what they said. They traded our loan from one company to XXXX whom did the same thing, they cheated us and then went to XXXX XXXX XXXX they pulled the same stunt. Now we are with SPS and they have only applied our money toward interest and no principal so therefore our balance has been the same since then. This is cheated us of hard money. Now this company has had a lawyer threat to forclose and added XXXX to it etc. We should no loose our home due to dishonest and fraud companies. I want help for use, I have dealt with stress related issues and vomiting due to this. I am tired of us being taking advantage of us. All we want is to keep our home and get credit for our payments not just put the money aside as if we did not pay. help us and want a fixed rate they should credit us or refund our money if they play crooked. I would like a settlement not threats from a lawyer etc. that to me is wrong very wrong. We do n't have XXXX to pull out of a hat just to satisify a crooked firm. their no. XXXX acct. # XXXX thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: DE
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:
There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX*** ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received correspondence from a company named as Midland Credit Management stating that I owed {$570.00} I have never done business with this company and do not understand why they have my personal information, my home address, my social security number and I am terrified that these XXXX will continue to extort me for a debt that does not belong to me. And according to the verbiage they sent to me which was charged off and indicates that a 1099C was filed and they are attempting to extort me and commit some type of tax fraud. I have not given this debt collector any consent to be contacting me which in accordance to15USC1692c ( a ) so receiving this bill from this debt collector is usual and appalling. Upon understanding my consumer rights and reviewing my credit report this is a direct violation of 15USC1692d ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: AZ
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:
It has been a battle going through this and I am sending a complaint 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 or accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that CREDIT BUREAU immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605b. Please delete the following accounts as soon as possible : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

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 2022-10-13
Company: EQUIFAX, INC.
State: TN
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:
I filed Federal Trade Commission Identity Theft Report and Equifax refuse to remove the information listed on the FTC Report from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance after falling behind on my mortgage. PHH has demanded items from me that I have already provided. They initially said they wanted my bank statements with circles on them showing the rents I receive for income. They already had the bank statements with check marks. They said it has to be circles. So I sent those in and now they are calling saying that is not enough. They want circles with the loan number written next to the circle. So I have now sent them the statements with checks and circles. My attorney says this is not necessary and they are playing games with me like they have in the past. This is a violation of Respa Regulation X 1024.41 in which they are required to review my application once it is complete. Making up things to do like circles and not checks is not something that can cause a file to be complete or not. There are not rules or regulations about checks or circles. This company MUST be fined and reviewed for this type of violation of Respa.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I feel I am being ripped off by a XXXX " membership '' fee.In the past the branch manger waived the fee for me which proves they feel they are ripping me off. Now that branch manager is gone last year the branch manger said " I will not do this waiving of fee for you anymore. I feel charging me an extra {$50.00} a year is not fair? they are making money on my loan already. Is this annual fee excessive??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX. 

The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX. 

The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX. 

I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''. 

XXXX  claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that. 

Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a RMA on XXXX XXXX, 2016 via email and received confirmation of our submission. On XXXX XXXX, 2016 I called to check on the status and I was told to submit everything again with updated information. I submitted an updated application on XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told they had everything they needed and were going to expedite the process. I called on XXXX XXXX because I had not heard anything yet and was told that the file has been referred to an attorney but to go online and submit another application. I submitted the updated information today. I thought that I would have a decision within 30 days from submission. This company has lost or ignored my paperwork twice and I would like to have the file expedited so we can begin the modification process and stop the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for the PSLF waiver as I have worked for the State of Missouri for over 10 years and made lots of unqualified payments. After they spent months reviewing my information ( despite my correct information being entered ), they said I actually had LESS qualifying payments than before. I have called will be on hold for hours and then who answers transfers me to PSLF person to only be on for HOURS more. No one has any answers or help and this is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
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:
I was denied for getting a loan with XXXX  today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Today XX/XX/XXXX I received a response back from Experian in reference to a dispute letter I sent to them on XX/XX/XXXX disputing the error on the report of a Bankruptcy that needed to be removed. Their result came back as Verified, although the data furnisher they stated they used XXXX XXXX to verify has removed the Bankruptcy from the my profile which they sent me a letter confirming this information, this letter was attached with the dispute letter I sent in demanding removal. I called an spoke with a XXXX XXXX at Experian disputes and he states he was not able to locate the documents I sent in, although the dispute was clearly opened by the letter I sent in. The representative stated that it's possible the documents could have been lost or not scanned in. I advised this is a serious matter as this pertains to sensitive information and if misplaced or lost this could be in the wrong hands. But the only reply back from the representative was " Yea, I understand, but the decision was made that the item was verified, is there anything else I can help you with? ''

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 2022-03-25
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX reported this account as delinquent for amount of {$22.00}. This amount was paid in full on XX/XX/2021. The due date was XX/XX/2021. Because of this situation my credit score was affected and decreased by 72 points in Transunion Credit Bureau.

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 2021-01-12
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making payments to this account and have been marked late twice on this account even though it was paid before the 30 days late due to COVID. 
Each month the bill is XXXX and it is due on the first of each month.. 
I had to stop automatic deductions due to Covid and noy receiving a paycheck in the summer. 
One Main would take funds out of the account and rather have it apply to the past due amount, the payment would apply to the current amount. This action causes me to be late on the past due amount as well as cause me to incur late fees. One Main 's website gives an option to apply funds to the past due amount but it does not apply it correctly which causes me to get a late payment on my credit report. 
I have disputed this several times on my credit and have reached out to One Main once in regards to this. I should not be marked late nor do I want to redo this loan, which is what One Main has offered. I do not want this costly form of credit. I just want to pay it off. 
I want my credit report updated and the lates removed. I feel that this is a deceptive practice from One Main.

Company response to consumer: Closed with explanation