BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was a victim of mortgage fraud and have been trying to resolve this since 2008 and have not been able to. I received a call from XXXX XXXX stating that he was a representative from Country Wide who helped customers that had problems refinancing their homes. My understanding with XXXX XXXX was that I would refinance my home on terms suitable and I agreed ( after several meetings ). Later, XXXX XXXX told me that I would benefit from a " special financing '' program and that this was the only way to refinance my home. The special financing was that I could remain in my home and have a lower mortgage payment. I did not understand that the special financing was to tell my home to a third party and then have it Quit Claim Deeded back to me ( I learned this after the fact ). 

XXXX XXXX told me that I would need to make payments for the mortgage to XXXX XXXX XXXX in XXXX XXXX, CA ( which I did ). Several months later notices started coming in the mail for XXXX XXXX so I decided to open one. At this time I found that a XXXX mortgage had been obtained and payments were not being made ( I had no idea about this ). I went back and opened others and found out the XXXX mortgage payments had not been made either, despite the mortgage payments I made to them on-time monthly via cashier check. I contacted XXXX XXXX immediately and he told me payments had been made and it was a clerical error. That he would get back to me and never did. 

My son and daughter-in-law insisted that I contact the XXXX XXXX County District Attorney 's Office and I did just that. The DA conducted an investigation and Investigator XXXX XXXX informed me that this act was deemed fraud and issued me a case number ( case # XXXX ). He also informed me that the FBI had been notified and that XXXX XXXX and his associates had been doing this type of business throughout the XXXX XXXX XXXX XXXX as far as XXXX and further. I have contacted B of A on several occasions and they have not helped me. I filed for bankruptcy protection ( chp. XXXX ) and that did not help either. I have attached documentation proving the company that refinanced my mortgage was sanctioned for fraud by the California Dept. of Real Estate. I hired an attorney in 2008 and Bank of America refused to respond ( the original loan is a Countrywide loan ). Today, no attorney will take my case and I am now at risk of losing my home to foreclosure. I have attached supporting documentation. 
My home loan is in the name of XXXX XXXX who quit claim deeded the property back to me. After the XXXX XXXX County DA 's Office Inspector XXXX XXXX investigated this matter, he informed me that XXXX XXXX does not exist and that I am a victim of mortgage fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
received loan modification and was asked to pay money up front. I paid it. Have n't missed a payment. It comes directly from my bank. Mortgage company keep sending letters stating that my monthly payment is behind. Also my note has increases from XXXX dollars to XXXX dollars to XXXX dollars per month. Interest is now XXXX percent. Initially offered modification with interest at XXXX percent and monthly payment of XXXX dollars. Bought house for XXXX dollars about XXXX years ago but now owe XXXX dollars. XXXX companies were involved : XXXX, XXXX and now Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX In response to my complaint XXXX You responded XXXX XXXX the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 Account XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
There are inquiries from XXXX, XXXX, & Jpmcb Auto on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. 1. XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX In response to my complaint XXXX You responded XXXX service the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 Account XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
Elan Credit services will not allow me access t o my account. They wont send my statements and they have locked me out my on line account. I do n't know what charges are being charged. I do n't know if I have late charges etc.

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 2017-02-25
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. 

The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and 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 2017-01-12
Company: Integrity Solution Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have no knowledge of said debt and I would like it removed as it 's reporting to the XXXX ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my credit profile as it 's reporting negative to all XXXX major Credit Bureaus and negatively affecting 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 2015-05-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Dobberstein Law Firm, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collection company obtained judgements and is trying to collect a debt from a credit card. The documents the debt collector has sent me when I requested validation of the debt, would place the opening of the account whilst I was a minor child. I have explained this to the debt collector whom then has attempted to garnish my wages and levy my property for said debt. Judgement is over 15 years old. Therefore, it is my firm belief this debt is either identity theft, or this debt collector is attempting to collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Regional Management Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Regional Finance sent me a loan in the mail. They failed to inform me of my right to rescission pursuant to 15 USC 1635 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent a dispute letter to Equifax requesting that they delete some personal information from my credit report that was either old or didn't belong to me. Attached along with this letter I also sent a copy of my drivers license and social security card as required but still to this day Equifax claims to have never received my letter, although I sent it certified mail and I have the digital receipt of delivery and pickup, which I will attach to this complaint. I eventually went online and got those personal items removed after not hearing anything back from Equifax for over a month but this was not the end. Not only has Equifax claiming to have never received my letter caused me emotional stress out of fear that my personal information has landed in the wrong hands, but also financial stress as I have been paying for identity monitoring services that I never would have had any need for or interest in if it was not for Equifax losing my letter with my drivers license and social security card. I have been in the process of locating a consumer protection attorney in my area as I full heartedly intend to take this matter to court but I hope that this can assist in the process, as I can not even dispute further with Equifax because they claim to never have received my 2 forms of identification the first time that I sent it so now they will not investigate my disputes at all, which I have proof of because they sent me a letter asking for me to send the forms of ID well after I already did, and I definitely am not resending my information just for it to be " lost '' once again. I have called them multiple times and have spoken with supervisors and each time they refuse to take responsibility or thoroughly investigate what happened. What makes this situation even worse is I sent the exact same 2 forms of identification to XXXX and XXXX as well and had absolutely no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.

Company response to consumer: Closed with explanation