BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
OnXX/XX/2019 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2016-11-03
Company: Core Advisory Group, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

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 2016-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, 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 explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported

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 2015-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Transunion once again removed from my credit report and history. 
I supplied Transunion with my original police report that was also stamped by XXXX PD personnel, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX # XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes from multiple fraudulent credit inquiries. I contacted TransUnion after to dispute the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: Arbor Residential Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in XXXX installments, the first of which is due on XXXX XXXX of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once to my multiple emails, and the response was entirely unhelpful ( it just told me to mail my tax information to a XXXX XXXX in California, even though Seneca had already acknowledged receipt from me of updated tax information ). When I try calling on the weekends, Seneca informs me it 's closed. When I try calling on weekdays, I am disconnected by a " courtesy hangup. '' I just want to pay my property taxes, but it seems impossible to get Seneca to communicate with me. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Arbor Residential Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-05
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number 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 2017-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.

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 2017-04-28
Company: CORELOGIC 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:
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

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 2016-02-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: MD
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:
after sending 3 letters without getting a responce i am reaching out via cfpb claim I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.

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 2016-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX sent me a letter stating sorry that they are unable to approve my application at this time. Which was supposedly filled out on XXXX XXXX, 2016, which was incorrect I did not apply for or authorize XXXX XXXX to do any inquiries. I did a fraud case with Equifax Credit Agency on XXXX/XXXX/16 they responded stating the information is factual which is incorrect. I called Equifax on XXXX/XXXX/16 and informed them that their response is incorrect that 's fraud I did not apply for ant credit card, XXXX then informed me that needed to call XXXX XXXX. I called them also on XXXX/XXXX/16 at the number given by Equifax called several times hit several extensions no answer even gave another number still no answer. I would like for the fraudulent inquiry to be looked into further and removed off my credit report if possible which was considered a hard pull on my report which has affected my credit score decreasing it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is showing an Open Collection of {$290.00} for XXXX as reported by XXXX XXXX. I had previously contacted them & stated this acct had been inc in my 2009 bankruptcy. They came back & said they verified the debt thru XXXX. I then contacted XXXX & sent them copies of my bankruptcy. It showed the rental property at XXXX XXXX XXXX XXXX VA XXXX, for which the XXXX acct was for, had been surrendered and the XXXX acct listed under creditors. I then heard from XXXX ( XXXX XXXX XXXX with the XXXX Escalation Team. He said XXXX had been instructed to cancel and withdraw the collection and to report this info to the credit bureaus. A week later I obtained a new copy of my credit reports and it was still showing as an Open Collection. I spoke XXXX again and he put me on hold while he called XXXX and spoke with XXXX at XXXX XXXX XXXX XXXX. XXXX said she had been instructed, again, to cancel the collection and withdraw the info fr the cr bureaus. He gave me her contact info and said to call her to confirm. XXXX would not talk to me as it was a collection. She gave the # to their collections dept. ( XXXX ) XXXX. I then spoke XXXX ( XXXX XXXX who said that XXXX had canceled it but they were still reporting it until they were paid by XXXX. I said this was illegal. Once the creditor advised them the account was in error and had been discharged under bankruptcy they had no right to continue reporting it as a collection item. What happens between XXXX and XXXX re payment or cancellation fee is not my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
There are actually XXXX problems : 1 ) We 're applying for a mortgage refi and our credit was pulled to see if we qualify. I had tracked my XXXX score for months on my bank 's ( XXXX ) site, which reported a score of XXXX until this month when it reads XXXX. The scores pulled for the loan range as follows : XXXX ( XXXX ) ; Equifax ( XXXX ) ; XXXX ( XXXX ). The mortgage broker is unable to explain the discrepancy between these scores and the XXXX score my bank reports. What gives? 

2 ) I downloaded my free XXXX report ; when I tried to do the same for Equifax, part of their " security '' routine was to ask questions about accounts opened several years ago, but in such a way that I had no idea what could possibly constitute the " correct '' answers to this quiz. Because the Equifax score is critical to our loan evaluation, I need an online report from them, yet I can obtain only a snail-mail report. Presumably, I failed their " quiz. '' This leaves us high and dry. 

3 ) A new mortgage-servicing company ( XXXX ) just took over our existing mortgage. The XXXX report I received online shows they did a credit check on XX/XX/2016. I neither wanted, nor needed, nor authorized this credit check, which would not be helpful when we 're applying for a refi. What can be done about this unwanted intrusion in our financial affairs? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax deleted all my accounts, and my credit history dropping my credit score for XXXX points. Almost all of tha accounts deleted from my record are still open and in use. They have not provided even a current copy of my credit report.

Company response to consumer: Closed with explanation