BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I initiated a 15 year fixed with cash out loan with Bank of America around XX/XX/XXXX ( loan/application # XXXX ) with XXXX ( MLS # XXXX ) with initial credit score of XXXX and no mortgage on personal residence. Bank of America failed to close the loan within a reasonable period and had to restart the loan process around XX/XX/XXXX ( loan/application # XXXX ) with both XXXX and XXXX ( MLS # XXXX ). I timely supplied B of A with all requested material and have an exclusive banking relationship with them for over 20 years ( they had multiple information about me at their fingertips ). After endless amounts of delays by B of A, the rate lock expired and the closing costs soared by multiples. At no time, after repeated requests, did B of A offered to absorb the fee due to their delay. By XX/XX/XXXX a third application was submitted by B of A ( # XXXX ). However by XX/XX/XXXX I received a letter with conditional approval for loan # XXXX. I 've lost track of the number of applications/loans this bank started with me for a simple cash out 15 year loan with a customer of 20 years with all my business 's with them ( now former ). Unfortunately, they came back to me and said their credit score they had on me expired and they need to make another HARD inquirey. This knocked my score from XXXX at the start of this to my last score that I recieved to close this loan at XXXX costing me an addtional {$840.00} in closing cost by my closing with XXXX on XX/XX/XXXX since my score was less than XXXX ( premium level ). There was no other credit checks while this was going on. This also created an increase in origination fees from my original loan request back in XX/XX/XXXX with B of A relative to my final closing with XXXX on XX/XX/XXXX. I ask that B of A, one of the architects of the Great Recession reimburse me for the costs associated with their negligence. I have tried to negotiate with their supervisor ( XXXX NMLS ID : XXXX ) and their regional director ( I believe his name is XXXX ) he never returned my numerous phone calls ) to no success. I would like enforcement action for violations of Dodd-Frank laws, Federal Trade Commission, Office of the Comptroller, and any other enforcement agency to correct B of A behavior. It is quiet obvious they are still not taking responsibility for their deceptive practices and the costs it has on consumers like myself. My increased closing cost was near {$4000.00}.

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 monetary relief
Consumer complaint received 2017-02-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records

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 2015-07-20
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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 identified accounts on my report that are a result of identity theft. I have not given XXXX, Transunion, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX  Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXXXXXX XXXX Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXX Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is refusing to remove a Chapter  XXXX  bankruptcy record fro m 2009 that I di d not file. It has a reference number of "  XXXX  ''. I have never filed for bankruptcy in my life. Money has never been a problem for me and my report clearly shows that I have never had any difficulties making payments on my debts. I have disputed this error with Transunion numerous times but they have continuously ignored my disputes as frivolous without properly addressing my claim. They say the bankruptcy record has been verified but my report clearly shows that there have never accounts on my report that have been " included in bankruptcy ''. How can I have a bankruptcy on my report if there are n't any accounts that show they were included in bankruptcy? I manage my finances responsibly so it is unfair that this blemish and error in reporting by Transunion continue to occur when no factual evidence can be provided as validation.

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 2022-08-04
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the Following accounts as I believe these accounts reporting in error. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office. 
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX, my husband and I went to XXXX Hyundai located at XXXX XXXX XXXX XXXX in XXXX Florida for a service appointment for my husband 's XXXX XXXX. The appointment was at XXXX XXXX and as soon we arrived we were approach by the Financial Manager, XXXX XXXX. He told my husband that he can get a XXXX XXXX XXXX and that he will deal with the upside down. I told XXXX XXXX and my husband that the XXXX had only XXXX miles and that we should keep it. However, XXXX XXXX continue with his effort to make a sale. He asked me to cosign for my husband to upgrade his car and I replied that I was in the process of buying a home and I can not be a cosigner. By XXXX I told them that I had to leave and that I would like to get the XXXX back because I needed to go to work. I spoke with the General Manager, XXXX XXXX, about the car that we took for services and he directed me to the Service Manager. I was informed that they did not touch the car. I strongly feel the Financial Manager manipulated the entire situation and advised the service department not to touch our car as he was pushing for us to purchase a new vehicle instead. At this point my husband agreed to purchase the XXXX XXXX XXXX, but this would require me to cosign for him. I asked several times why my husband could n't be the sole purchaser for the XXXX XXXX when he was able to purchase the XXXX only in his name and was not given a clear explanation. They said it was required but would n't interfere with my home purchase plans as I would only be a cosigner and my husband 's name would be listed as the primary buyer. Under those terms, I finally agreed. Upon meeting with my mortgage broker the following week, I was informed that the loan showed up as my responsibility on my credit, greatly increasing my debt to income ratio and no longer qualifying me to purchase the home. I was in complete shock after hearing this news, I am listed as the primary buyer and not as a cosigner, contrary to what I agreed to at the dealership. I have discussed this situation with Hyundai Financing, with the Dealer directly, with the General Manager and I have intended to discuss the issues with XXXX at the Corporative office. No one has offered me a solution. I have been told that in the state of Florida the wife and husband are considered the same in a financial matter, but I find the dealings of this dealership to be extremely unfair, unethical, and irresponsible. I do n't believe we were treated fairly and strongly believe we were misled for their own benefit. I am asking that Hyundai Financing comply with the contract that I signed and list me strictly as a consigner releasing this debt from my credit or remove my name from the purchase entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt from this company Rentdebt and it is NOT mine, I have tried disputing it, requesting validation and nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capitol one has removed 100 $ on XXXX separate occassions in the last two months from my bank account without my permission. I reviewed my capitol one account online and nowhere is the amounts noted. I called them and they also said there is no evidence they removed it and to call my bank. I called XXXX XXXX and they got back to me and said most certainly it was removed by them??? The bank is refunding my 400 $ and opening an investigation to get there money back. I owed no balance at any XXXX of those times they just outright took my hard earned cash. And had I not been paying attention I would be out XXXX {$.00} .This is outright stealing and I would love to press charges if I knew how. This company is crooks and everyone knows it. Why are they still open?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I moved XXXX and put my mortgage on auto pay with OCWEN financial services. The modified my mortgage by a few dollars and notified my be us mail. They did not send me anything via email and the mail never arrived through the XXXX postal system ( not a big surprise ). For two months I underpaid my mortage by a few dollars and was only made aware when my credit reporting agency notifed me. I immediately paid OCWEN via electronic payment the balance and changed the amount. I requested then ( XXXX 2013 and again last year, and again last month for someone to review this and correct the negative report. I have received no formal decision just notices that they will contact me if they need more information. 

I would like help in trying talk to a real person there even if it is International Long Distance to try to resolve this. The negative information dropped my credit score XXXX points and is still not back up to where it was despite perfect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 I sent a letter to TransUnion updating my personal information. I informed TransUnion that they were reporting inaccurate and outdated names, addresses, phone numbers, and employers on my consumer report. I also informed TransUnion that they have a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

On XX/XX/2022 TransUnion sent an updated consumer report with without removing all of the inaccurate and outdated addresses.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: AZ
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 Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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