BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has continually made knowingly false representations on a mortgage or Deed of Trust to me, to the public at large in general, and to bona fide purchases ( DFPs ) in specific. 

Bank of America 's representations to me made through their legal counsel on XX/XX/XXXX, indicates an awareness this account has been modified under a Making Home Affordable ( MHA ) program XX/XX/XXXX, specifically the Home Affordable Modification Program ( HAMP ) and was amended XX/XX/XXXX to include a principal forgiveness amount. This amount has been represented to me as a new and separate HAMP modification and has not been included in the stated principal balance due at the time of loan transfer or sale on XX/XX/XXXX. 

According to MHA HAMP guidelines, all amounts forgiven are to be paid back if the property is sold. Bank of America and their representatives may not claim ignorance to HAMP guidelines as they are required by law to be knowledgeable of all the rules of all the modification programs offered by Bank of America. When Bank of America fails to return MHA funds upon sale they are guilty of Welfare Fraud, fraud on a mortgage or Deed of Trust, and real estate fraud. 

Just to be clear, I have had only one MHA HAMP modification finalized, as amended. However, I have been approved for MHA HAMP three times over. 

All previously mentioned resolutions are desired and mandatory.

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 2022-04-11
Company: EQUIFAX, INC.
State: DE
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 XXXXXXXX # 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/XXXX  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 2022-09-03
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
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:
I am unable to log in to have a credit freeze temporarily removed Experian is not helping resolve the issue

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 2019-11-29
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I opened this personal loan in XXXX when the company was called springleaf and the branch was on XXXX in XXXX XXXX. The loan amount was XXXX and the terms were XXXX for a period 5 years,, XXXX XXXX  XXXX  the loan was to be paid off, however they came back and said that since their was a time period I paid the loan late the accrued additional XXXX  I thought this to be unfair and after calling the corporate office which is now One Main, 
(they acquired springleaf) they agreed to cancel all remaining interest on the interest and every payment moving forward would be going to principal
Around XXXX XXXX a few days before my pay ment was due I called and spoke to customer service to see if I could defer a payment since I was having a lot of car repair issues, (you see they have also held my car hostage  collateral) the car now has XXXX  miles I cant afford a new car or used because I am still paying this loan and they keep dinging my credit for late payments when they did a double deferment, So anyways I entered into a double deferment it was processed before I made the required pmnt I made up the pmnt and they still reported me to XXXX  as being late in XXXX  to XXXX  as being late in XXXX  and to XXXX  as being late XXXX and XXXX
they are literally ruining by life the only account that is hurting me Every time I call I get a new story

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a deposit to my checking account in the amout of {$4400.00}. The ONLY deposit I am anticipating to my checking account is from my income teax refund in the amount of {$15.00}, XXXX. I called M & T Bank at approximately XXXX and the lady took my account information, LEFT ME ON HOLD for an extended amount of time and I was FORCED to call M & T Bank again. I advised her that I am anticipating a deposit from my income tax in the amount of {$15000.00} and I asked her why was M & T Bank holding my funds because they only gave me part of the deposit. She had no answer and gave me no information to my account. I would like for M & T bank to give me access to my entire deposit from my income tax returns effective immediately.

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 2016-05-27
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.

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 2017-01-31
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This past weekend I found a " collections '' item in the amount of {$27.00} on my XXXX credit report, dropping my near perfect score by XXXX points! I have NEVER had a collections account! It was from Financial Data Systems, which I found to be a collections company in XXXX, NC. There was a note that it was related to " XXXX XXXX '' and dated XX/XX/2021, nearly 6 months ago. 

I have never received any bill or communication of any kind from either XXXX XXXX ( their correct name ) or Financial Data Systems. I spoke with both XXXX XXXX XXXX XXXX  ( XXXX XXXX 's billing service ) and FDS this morning. 

XXXX explained that the amount owed was related to a medical procedure I had last year. That procedure generated many bills, some from providers I had never heard of. I paid every single bill that was sent to me by all providers. However, XXXX stated that they sent XXXX bills to an address that is more than XXXX XXXX XXXX. XXXX stated they got the address from XXXX XXXX, and because none of the bills were returned as undeliverable, they followed proper procedure in sending it to a collections company. I have no idea how XXXX XXXX got that old address, but it seems irrelevant as I provided my current address on all forms I filled out related to the procedure. I know this is true because all the other providers used that current address to send me bills! 

In speaking with Financial Data Systems, they said the same thing, they got the address and phone number ( also incorrect ) from XXXX, they sent notices to that address and called that phone number, and because nothing was returned as undeliverable, they followed procedure and reported it to XXXX. 

In speaking with them, they promised that the collections item would be removed from my credit report when paid. I asked for that statement in writing before paying, and they refused. They said that I could pay an additional {$10.00} and they will send me a " deletion letter '' tomorrow after the payment posts. I paid both the {$27.00} and the {$10.00} " deletion letter '' fee, despite the fact that I feel I should not have to pay a fee to get an error on my credit report corrected. That is like mugging me twice! 

I have no documents to provide as I never received anything from these 3 companies. 

I am making this complaint against all three companies who created this situation : 1 ) XXXX XXXX XXXX of XXXX, NC, 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC, and 3 ) Financial Data Systems XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Bank opened an account in my name that I never applied for. Now they say it is delinquent on my credit report. I have tried to contact them on numerous occasions and no one calls me back. I have disputed it on XXXX and they claim that XXXX confirms that it is mine yet is unable to prove anything. This is not my account. Where was the card sent? Where were the charges made? Did you ask for identification before opening this account? Did anyone even look into this when I requested an investigation? I have even filed a police report for this fraud yet neither the card company nor XXXX is willing to help or provide any information. This is ridiculous. You can't just allow anyone that hacks into someone else 's identity to do what they want. There has to be more safety guards and questions asked/identity checked before opening up these accounts. Plus this is said to be a secured card so they have to have information on who opened this account that does not match my 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 non-monetary relief
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has falsely reported LATE PAYMENTS for this account to the Credit Bureaus when no payments were ever made. The company has illegally adversed my credit with fraudulent derogatory credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: eToro USA LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
the connection for sign up is insecure, once the prompt asks for SSN or banking info the connection on chrome becomes insecure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation