BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: LA
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-09-24
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX we prepaid the our property taxes that were due for XXXX. I call the mortgage company and told them this information I also faxed them proof of payment so they would know not to pay the property taxes that were going to be due. I followed up on the fax and they verified that they had the documentation and they were doing escrow analysis for us. My spouse also called to inquire about the escrow analysis on XX/XX/XXXX and was told they were processing the analysis. On XX/XX/XXXX we received an email that a payment had been made for our property taxes. I have verified with the county on XX/XX/XXXX that they have refunded the funds back to the mortgage company. I spoke with them today XX/XX/XXXX and they are not showing the funds being credited to our 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 2020-05-12
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX and I applied for Washington state unemployment and I also applied for the SBA PPP program Corona relief program Earlier this year. After I waited such a long time 3 months or so, finally my Washington State unemployment was accepted and they paid me back all the back pay and the money was directly deposited from Washington state unemployment into my chime bank account sometime in XXXX and it was around {$14000.00} or so. And SBA PPP program also finally was approved and sent a direct deposit of {$10000.00} into my chime bank account sometime early part of XXXX. I also have been receiving weekly unemployment since XXXX by direct deposit and the money has been been depositing into my chime bank account which is now put on hold or Frozen. My chime bank account has been put on hold or suspended because they said that I needed to verify and confirm. I sent all documentation That verified and confirmed where the funds came from and also I have sent them the proper documentations to verify and confirm who I am when it comes to my ID my address etc that they needed and still they have not allowed me to access to my funds. I want to get my funds and close account As soon as possible. All the money that has been deposited in my account came directly from the SBA PPP program and also it came directly from the Washington state unemployment They can verify with the Washington State unemployment and also they can verify with the SBA PPP program. like I said, the money was directly deposited from those agencies into my account. I have sent them the documentation from Washington state unemployment and also I have sent them documentation from the SBA PPP program and still they have denied me access to my funds. I kept those funds in there since XXXX of this year and never took it out because it is the only way for me to make sure that the money is safe and I can't believe it they are trying to steal my money. please help me so this way I can survive during this pandemic. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft. XXXX XXXX XXXX are trying to collect a debt that I do not owe. XXXX received my information from Exeter Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$1200.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My Equifax report dated XXXX/XXXX/2016 reflects a hard inquiry for a credit facility for which I DID NOT apply : XXXX / XXXX XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I want to report deceptive marketing to current customers by Bank of America I signed up for an offer Bank of America advertised on their website " 5 % Interest Rate Booster on a Savings account. After two months of seeing minimal interest on my account, I called them. It turns out the " 5 % Interest Rate Boost '' is 5 % of the 1 % interest rate I would normally get. So, 1 % interest gets boosted '' to 1.05 %, not 6 %. 

See the screen images showing the offer, numbered to indicate the order in which one has to click to find the explanation. How many will actually do this? The promotion seemed very straightforward to me. I did not click until I wasn't reaping the 6 % interest I thought I was entitled to. It is very misleading. I work in marketing, and this is deceptive, and misleading at the very least. Shame on Bank of America. 

If you'd like more information please contact me. Thank you for investigating 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 2022-10-10
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became sick two years ago, and was XXXX for three years, and during that timewe fell behind our Mortgage payments. We obtained help for Hope for Housing, and reached out to our Lender, XXXX for a Loan Modification because our Interest rate is at 8.5 % Our Loan was originated by XXXX XXXX XXXX, a Predatory Mortgage Broker who sold to XXXX and at the time we did not realize it was not a VA Loan, because I am a retired XXXX XXXX Veteran. 
XXXX will no longer communicate with us, except to say that the Loan was transferred to Fay Servicing, who have been reluctant to offer us a Loan Modification saying we did not have enough income. Now comes XXXX and filed a Law Suit adding insult to injury. 
We resubmit with the help of a XXXX Party our request for a Loan Modification, and our Financials clearly shows our combined income of {$3200.00} afford us a Mortgage Payment of {$970.00} which is 31 % according to HAMP Guidelines. I am a XXXX Veteran of XXXX years old and my spouse is also XXXX. I am still under medical care and we want to remain in our home. Fay Servicing is vigorously pushing us to Short Sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy and it was discharged as of XXXX/XXXX/2015, my attorney XXXX XXXX sent all XXXX credit bureau 's a copy of the discharge. XXXX XXXX and XXXX has updated the information when I called to find out why Equifax was not updated on XXXX XXXX, 2015 a representative stated they did not receive my bankruptcy discharge, so I sent them a copy of mine. I called today XXXX/XXXX/2015 after looking and seeing that they still did not update my credit report the representative to me why do I want the bankruptcy on my report. I told her that it is suppose to be on my report for 10 years and all the balance dropped to XXXX. I then asked to speak with a manager and she hung up on me. I called my Attorney and she told me that what the representative told me was ridiculous. I called Equifax back and asked to speak with a manager again and the young man hung up on me. I then in turn called again and asked to speak with a manager and the young lady would not put me through to XXXX and said maybe she could help so I gave it a shot and told her what the issue was with my bankruptcy and the accounts still showing a balance and she told me that she see 's my bankruptcy paperwork and that they can not update the credit report because Delaware Bankruptcy court has to send them my discharge paperwork. Well I called the Bankruptcy court and they do not send the credit bureau 's the discharge paperwork. Though all this Equifax hung up on me XXXX while trying to speak with a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BARCLAYS BANK DELAWARE
State: GA
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:
XXXX XXXX still reporting a past due balance on my credit report and the account has been paid and settled. It is against violations to continue to report a past due balance on a charge-off debt that has been paid. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

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 2020-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my debit card and drivers license were stolen. I canceled my debit card and filed a police report about the situation. I also reported this to SunTrust customer service. On XX/XX/XXXX, someone went into the SunTrust branch in XXXX Florida and used the teller connect system. They used my lost ID and my canceled debit card to withdraw {$900.00} from my account. A fraud complaint was filed on XX/XX/XXXX. As of today, XX/XX/XXXX, Suntrust has not come to a resolution. Ive called the fraud department every day and no one will give me an update on the case or give me my stolen money back. Customer care refuses to tell me any information.

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 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar 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 2017-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I FINALIZED A MORTAGE MODIFICATION BY MAKING THE THREE TRIAL PAYMENTS ON XX/XX/XXXX, MY NEW PAYMENT STARTED XX/XX/XXXX, I HAVE BE MAKING THE PAYMENTS TIMELY FOR THE NEW REDUCED AMOUNT, THE COMPANY REFUSES TO SEND ME THE FINAL MODIFICATION PAPERS AND IS NOW SENDING ME LETTER OF PARTIAL PAYMENT AND LATE FEE FOR THE PRIOR AMOUNT BEFORE MODIFICATION. THE COMPANY IS FAY SERVICING XXXX NMLS ID # XXXX XXXX TX XXXX. THE ACCOUNT IS UNDER XXXX AND XXXX ACCT # XXXX XXXX NY XXXX MY CONTACT NUMBER AT WORK M-F XXXX OR CELL XXXX

Company response to consumer: Closed with explanation