BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XX/XX/XXXX I tried to order all XXXX credit reports from the annual free site. I was able to obtain XXXX and XXXX ; however, Equifax stated my report was " unavailable '' and I would need to order by mail, which would take 15 days or more ... I do not understand why Equifax does not have to adhere to the same rules as the other XXXX agencies regarding the securing of my credit report online. On XX/XX/XXXX, I tried several times to obtain this report by calling the number listed on the website. After 5 calls, and numerous jumps through hoops, I was able to order the Equifax report via phone. However, apparently it will still take the same amount of time to receive the report by mail. This is a HUGE inconvenience to me as my husband and we have spent almost 3 months trying to refinance our mortgage while the interest rates were lower. On XX/XX/XXXX, my husband received an email from our mortgage company stating everything was great except one dispute. The dispute is question was supposed to have been dismissed long ago. Since the dispute did not show up on XXXX or XXXX it can only be on the Equifax report. This is creating a very difficult situation for us, and in my humble opinion, Equifax is committing fraud in that they are one of XXXX credit reporting agencies that are bound by Federal law to release a consumer report via online, as the other XXXX agencies do. In short, Equifax is bound, but not in compliance with the Federal Law, and is creating a severe hardship on my husband and myself, as time is of the essence. In addition, I am of the belief that Equifax adheres to this practice in order to force the individual that is in serious need of the report to order from their own ( Equifax ) website for the initial low cost of " {$4.00} and then {$19.00} every month ... '' I even started to do that, however, why should I have to pay for something that I should be able to acquire for free? I am now wondering if the particular disputing company is in collusion with Equifax and I intend to research that possibility further. Please force Equifax to adhere to the same rules as the other XXXX agencies and allow consumers to obtain their credit reports online without a long wait, as this is really a grounds for a consumer lawsuit against Equifax, if they continue to practice business in this manner. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CHECK INTO CASH INC.
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a pay day loan in XX/XX/XXXX. Due to circumstances at that time I was unable to pay it back. A collection agency called my daughter 's phone on Thursday XXXX/XXXX/XXXX and left a message stating " they are coming to my house and to my work to drop off paperwork about this overdue debt ''. they stated " failure to sign for these papers could cause a failure to appear '' and they ended the call by saying " good luck ''. I called the number and spoke to XXXX XXXX which I 'm sure is an alias. She spoke very fast and requested a payment of {$670.00} within 24 hours and if I did not pay that amount would demand payment of double. {$200.00} every other week for the next 3 months is what she told me I would have to pay. I stated to her that I do n't have that kind of money. I would speak with my mother for help. Which I did, but when I spoke to my mother she asked questions that I failed to ask Sue on Thursday XXXX/XXXX/XXXX. Sue called back on Friday XXXX/XXXX/XXXX during my work hours and left a message. She called on Saturday XXXX/XXXX/XXXX and left another message. She called my daughter 's phone again today Monday XXXX/XXXX/XXXX. I work during the day so I ca n't answer the phone every time someone calls me. I called Sue back before the timeframe of noon like she stated I had to return her call. I asked if I could have a copy of the loan information mailed to me before I made any payments. the year is now XX/XX/XXXX and the loan is from XX/XX/XXXX. Sue did not like that at all, her mood went from positive to negative in seconds. She raised her voice, her tone was aggressive, she talked over me, made statements that were untrue. I felt she was threatening and harassing. She said I made a verbal agreement and that I admitted to the debt. She refused to send me anything. She said contact the original lender for paperwork I questioned why she is refusing since her collection company is the place requesting the payment. She still refused. She also refused to give me the address and name of the legal courier company that was threatening to show up at my work. She even said they went to my previous address but could not tell when they did. She avoided answering any of my questions. I asked who she worked for and all she said was del-ray?? She refused to give the address of del-ray. The phone number that they are calling from comes up as un-known caller so I was only trying to protect myself. I told her I wanted to work with them and that was not good enough she stated she was going to proceed with a lawsuit. I said that she was bullying me and the call ended

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX CO XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$0.00} are reporting on my personal credit file with ( Equifax/XXXX XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I submitted a complete loan modification with Bank of America to modify my second mortgage of {$150000.00}. I am currently delinquent {$19000.00} in mortgage payments on my primary residence. I was actively and diligently working with my loan relationship representative to modify my loan. On XXXX XXXX, XXXX, I was approved for trial loan modification payments of {$630.00} for the months of XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I made all my trial payments as requested and was expecting to have my loan modified. 

On XXXX XXXX, XXXX, Bank of America recorded a Notice of Default to foreclose on my property. I made all my payments as agreed. Bank of America lied to me and lead me to believe they were working with me in modifying my loan. 

Bank of America intentionally used dual- tracking while I was on a trial loan payment period. 
Bank of America has violated the California Homeowners Bill of Rights, which prohibits dual tracking. Bank of America continues their unethical, fraudulent, and corrupted business practices with the public. Bank of America is hurting the nationwide public by practicing dual tracking with home owners. 

A Bank of America employee signed a written California Declaration stating she was unable to contact me to assess my financial situation and what options were available to me. 
Bank of America proceeded with recording a Notice of Default for foreclosure. The Employee has lied under the written Declaration of being unable to contact me. I was in a active loan modification review with Bank of America working with my relationship rep. to modify my loan. 

The Bank of America employee who signed the Notice of Default written California Declaration, ROBO Signed the written Declaration. I was always in contact with my loan representative working with her in obtaining a loan modification. 

This complaint must be forwarded to the Office of the Comptroller of the Currency ( OCC ), The U.S. Federal Reserve, and the U.S. Treasury Department. I will also be making a complaint with the Federal Bureau of Investigation ( FBI ) to document this corruption and to request an investigation of Bank of America illegal loan activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
HELLO XXXX XXXX XXXX apply for a mortgage loan from Santander bank in XXXX PA. For the purchase of a property that had to be repaired but not much since I personally had the staff available and the contractors to repair the property. The realtor asked me for a deposit of {$1000.00} dolare. I have an excellent credit About XXXX points and my salary is ecellent I am a retired person and XXXX. The bank asks for money in checks and that there would be a new account with them and all supposed mind for the house. The loan was 2.8 % so I stayed with them and {$13000.00} suddenly, when it increased soon to {$26000.00}. The bank raised the interest to 3.99 % I paid all the certification of the reading area wather authority I paid the apraisal of real property. Which indicate that in reparal the property had a cost of {$2500.00} dollars as a person left an open door traceras and stole XXXX feet of copper pipe of the house. Only the basement but the same would be remplasado in 1/2 day since the house had water and make a repair of the window of the second floor that by the strong winds lost a protective bareta and the water entered but very little was repaired but not corecta mind. And to replace a pedaso of panel on the second floor I have the photos to be more detailed I have the money for the repairs this was informed the day of request of the loan and they gave a combentional loan to me and not an FHA. And the closure was scheduled for XXXX XXXX, XXXX and was suspended without warning because they wanted more inspections of light and water and the roof. The house has connected the water and the light and the roof. After being paid to the contractors the bank without notice on XXXX XXXX, XXXX. tells me that they can not give me the loan because I did not make it biable and that the money lost would not recover it that they give me a personal loan of XXXX XXXX Dollars to the 7.9 % that if I take it or leave it which provoked that I can lose the house and because of it I paid fines for breach of contract and that I lost {$1000.00} dollars without counting what I gave to them. To all this was not communicated the house has a value of {$70000.00} giving suddenly {$26000.00} for a loan of {$43000.00} the value of the property in the market is {$120000.00} dollars

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 2022-03-08
Company: EQUIFAX, INC.
State: MA
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 have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 Equifax 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the XXXX credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to XXXX the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. 
This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.

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 2017-01-06
Company: General Motors Financial Company, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: TX
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:
THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION. 

THIS ORGANIZATION IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR FRAUDULENTLY REPORTING INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE, NOR GIVE MY CONSENT TO. PER 15 USC 1681c-2 ( a ) THIS IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY WITHOUT A PERIMISSIBLE PURPOSE, AND WITHOUT MY WRITTEN INSTRUCTION PER 1681b ( a ) ( 2 ). OBTAINING INFORMATION UNDER FALSE PRETENSES WITHOUT CONSENT IS IDENTITY THEFT PER 15 USC 1681q. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: TX
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:
1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has been making a disaster of my account for months. I applied for a modification 6 months ago. Ocwen put me on a trial modification plan at that time. Since then, they have LOST payments, returned payments, sent letters they had not received payments ( when I have the receipts for those " unpaid '' payments ) and have really NO idea what they are doing. I asked them on countless occasions ( called them over XXXX times since the first of the year ) WHY XXXX person at OCWEN has NO IDEA what the other is doing. The last time I spoke to a supervisor, he gave me the reason for all the confusion as being the fact that my " file is over XXXX inches thick. '' He assured me, as all the other people always did when I 'd call, that he 'd " look into it. " I finally received the loan modification agreement for me to sign and have notarized last Monday. Tuesday, the XXXX, I had it signed and notarized and back in the mail to OCWEN. 
Meanwhile, I again receive a notice that OCWEN never received my XXXX and XXXX payments. I have receipts for both. ( That 's when the supervisor told me he 'd look into it. ) Then, yesterday, the XXXX, I received ANOTHER notice from OCWEN that my account was now in default. 
This XXXX has been going on too long. I am afraid that because of OCWEN 's inability to keep even the simplest of facts straight, my already shaky credit score will suffer. 
Can you help, please? 
Thanks, XXXX XXXX ... I am currently unable to scan documents, so I am unable to send the last XXXX OCWEN notices : the " non-payments '' and the default letter I just got.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.

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
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: OH
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 sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use XXXX party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

Company response to consumer: Closed with explanation