BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
This company is reporting a debt on my credit report and is in violation of Sec. 36a-809-13. They don't have verifiable information to do so and this is against the FDCPA law, therefore this account needs to be deleted from my credit report immediately. This company is also in violation of not being licensed in my state to collect any alleged debts that they say I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When my husband passed away years ago he always handled our finances. When I met my new husband he started to check on our finances and was shocked to discover we owed {$12000.00} in back property taxes from XXXX through XXXX for XXXX County XXXX.. We paid them on XX/XX/XXXX during the COVID pandemic and spent six months trying to find my late husband 's records to see why Bank of America had not paid these out of our escrow payments. 

Then in XXXX of this year, we sold the house and were told prior to closing we owed an ADDITIONAL {$11000.00} in property taxes for the same period to XXXX County. After this shock, we stopped by a branch to get the missing payment records. The mortgage had since been sold to XXXX XXXX  in XXXX (? ) and they had paid the taxes promptly ever since. 

We formally requested Bank of America, by phone, XXXX for all the records covering the mortgage since XXXX when we first bought the property. We called on XX/XX/XXXX and again on XX/XX/XXXX and both times received spotty records that did NOT cover the years XXXX through XXXX. 

We are requesting you to find out what happened to the escrow accounts and where the money went? Who is responsible for the interest and penalties?

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 2016-03-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed inaccurate accounts on my credit report with XXXX, XXXX Equifax After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX Eqifax XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
capital one is showing on my XXXX and XXXX that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I tried to dispute some delinquencies that XXXX placed on my credit report viewable on all major Credit Bureaus and they refused to honor my well-grounded dispute. Just to provide a brief description of the disputed delinquencies, I have 3 late payments listed on all 9 accounts I have with XXXX and some show up as 150 days past due. The repayment process was scheduled to begin on or around XXXX of XXXX, around the time the 6-month grace period was to expire, with the first monthly payment scheduled for XX/XX/XXXX. 

However, during the summer of XXXX I was enrolled at XXXX XXXX XXXX XXXX as a student particularly on the dates of XX/XX/XXXX through XX/XX/XXXX. Per the FSA, a 6-month grace period is granted to students who borrow both subsidized and unsubsidized loans before they begin repayment although interest can accrue. This would mean that my grace period would have begun on or around XX/XX/XXXX instead of XXXX of XXXX. During the time I was under the impression the grace period expired, I was in the process in the process of applying for the Income Driven Repayment program which I was later approved for and my it extended my repayment to XXXX or XXXX of XXXX. I have attached my student ID, my account activity summary, my student profile, and my transcript all of which will corroborate the Student ID number. Also, the profile and account activity summary corroborate my address. Most importantly, the account activity summary and transcript will corroborate and confirm that I was attending classes as a student at XXXX XXXX XXXX XXXX from XXXX of XXXX through XXXX of 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 2015-08-05
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 previously notified Transunion that I am a victim of identity theft. there are open and closed accounts that are on my credit report that should not be there because they do not belong to 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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 30 days since then. Please help

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 2017-08-14
Company: EQUIFAX, INC.
State: CA
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 have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Public record information inaccurate

Complaint:
XXXX, TransUnion, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called Mr Cooper constantly trying to get back on track with paying my regular payments. When I first called & was put on the forbearance plan the agent told me that I would have options when coming off & never told me I would need legal documentation. There is an agent on a recorded line that also explained that the information was misleading. I am now being told that I have to pay a lump sum while in the process of trying to do a modification in order to get back on track! This company has been nothing but horrible. What was meant to help out has caused more trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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 2020-10-05
Company: Experian Information Solutions Inc.
State: AL
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2017-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation