BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Usually the mortgage company sends me statement of monthly mortgage payment every month, and I send a check in the exact amount accordingly. In XX/XX/2021, I did the same thing I used to do but I was charged late fee in the amount of {$46.00}. To be exact I sent ( actually mailed it ) check in the amount of {$1100.00} on XX/XX/2021. When I knew I was charged late fee, I called the company and explained the fact of the matter, but the company did not want to accept my explanation. 

According to the company 's policy mortgage payment made after the XXXX of the month would be assessed late fee, but the fact is that I was not late. 

In XXXX of this year, the company sent me a letter stating that my house was under foreclosure process because of none payment of mortgage. I called the company and asked what was going on Their reply was " the letter was not supposed to be sent to you, you are fine, just disregard the letter. '' I think something is wrong this time also, and I was not late in my mortgage payment to be charged late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX  which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. Transunion never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap 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 2018-09-04
Company: JPMORGAN CHASE & CO.
State: SC
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:
XX/XX/2018 I sent certified letters to Chase Bank for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested Chase bank to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 Chase Bank has not sent anything. I then disputed the accounts with XXXX and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? Chase Bank cant verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions 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:
I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Bank of America took my business account overdraft protection off line. Allowed the fines to build up to a point with their trouble and then filled a collections agonist me. I had no idea I owed them money. I am an elder citizen and feel they have unjustly ripped me off. I 've been with them for 25 years and they have cheated me. Some rob you with a gun some with a fountain pen.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: GA
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 called the Experian and XXXX credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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

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 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX 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

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 2017-08-21
Company: Navient Solutions, LLC.
State: GA
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 took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about 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 explanation
Consumer complaint received 2023-03-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Had storm damage to my home. My insurance company- ( XXXX XXXX issued a check for {$16000.00} to myself and my mortgage company ( PHH ) I endorsed the check and forwarded it to PHH XXXX XXXX sent me a copy of the check # XXXX showing it was deposited to a PHH account XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have contacted the lost draft department of PHH and have been assisted XXXX XXXX she advised she had sent a request to corporate for research but no reply has been forthcoming. I have a contractor waiting for payment so he can order materials to begin repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: SYNCHRONY FINANCIAL
State: MN
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 divorced in XXXX of XXXX. My ex husband & I were joint on a CareCredit Credit Card that was taken out in XXXX of XXXX for said ex husbands dental bills. 
In the divorce decree, it states that the respondent ( ex husband ) shall pay the stated debts to the Care Credit Card. The XXXX shall hold the XXXX harmless from any obligation to make payments on the same. The ex husband charged off the account with an amount of {$2600.00} in XXXX of XXXX & it is affecting my credit & ability to obtain any type of loan. 
I have disputed with the credit bureaus to have this removed & they are still saying I am responsible for the debt. I have contacted Synchrony Bank & they have not done anything to correct it.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no a knowledge of this account according to the FCRA This item must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The validity on the Bankruptcy on my TransUnion credit report is incorrect. This bureau is the only bureau reporting this bankruptcy and it does not belong to me. I submitted a dispute on XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See attached. There fore they have violated my rights as consumer on this occasion and now again on XX/XX/2022. They have not supplied the verification from the furnisher. My data information with any furnisher that they used have been block and opt out, so I am not understanding how they received information and did not send me any verification documentation. According to 15 USC 1681c " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also section 623 ( a ) ( 2 ) of the FCRA provided that a person sho ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer, and ( B ) has furnished to a consumer report agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate. 

This Bureau have violated my rights as a consumer. Not only are they violating my rights as a consumer, but they are causing detrimental harm to my credit where it is keeping me from substring a living with the rest of credit worthiness consumers that have credit like mine. I pay all my debts on time and do not have any blemishes on my credit and this is not being taken of deliberately by TransUnion.

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 2018-06-03
Company: EQUIFAX, INC.
State: DE
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:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Delete this account information from my credit report, because I believe it may be incorrect.

Company response to consumer: Closed with explanation