BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was recommended to Bank of America by a financial adviser from XXXX XXXX, owned by B of A. The advisor sold me on a unique product that they offered, a 30 year fixed rate with a 10 year interest only option. Since I am retired with reduced income, I found this to be an attractive option versus the 3.5 % 30 fixed that I currently have on my primary residence. The application date was XX/XX/2021 and the application was taken by XXXX XXXX, XXXX, with B of A in New York. The application was originated incorrectly with many inaccuracies. I on several occasions asked that the terms of this interest only be confirmed. I was told verbally that it was. When I received the disclosures I questioned why they disclosed a non-conforming 30 year amortized loan when I was sold an interest only version. When reviewing the disclosure documents, I questioned the terms assuming that because it was a unique product that it must be disclosed in this manner. I received verbal confirmation from the XXXX XXXX adviser, XXXX XXXX, that it in fact was the interest only product. The loan officer, XXXX XXXX, never responded to that question to me personally. In fact since the origination of this application, XXXX has failed to communicate throughout the entire process. Never returning requests for a phone call and rarely through the various email systems employed by Bank of America. Finally out of extreme frustration, I reached out to his manager, XXXX XXXX on XX/XX/XXXX - over 90 + days in process - inquiring as to why this loan has not closed in timeframes set by the loan officer. When verifying that I was receiving the interest only option product, he stated that I was not. It was a traditional 30 year loan. I feel that through this exhausting process I have experienced miscommunication, misinformation, misrepresentation and was deceived throughout the process. XXXX blatantly ignored my requests and acted in a manner that is required through regulations dictated by NMLS, FTC and Consumer Finance Act. I have invested time and funds as well as severe distress for the last 90 days. I feel that XXXX should be held accountable to the tenants of these regulations. I am a 30 year veteran of the mortgage industry, currently retired, and have a 36 year legacy relationship with this bank, both as an employee and a client. This process has been an egregious disregard to me as a consumer and long time client, with no remorse or acknowledgment from any of the parties. These misrepresentations board on fraud. I have filed complaints with the NMLS through the NY Department of Financial Services and will file additionally to FTC and local RI Department of Business Regulations.

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 2019-11-02
Company: Rosebud Economic Development Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019 zocaloans debted XXXX from my account and it posted on my account the following day on XX/XX/2019 on XX/XX/2019 I received a email from them saying they have not received my payment I called them with the bank ref # and provided email copies of a bank statement showing it was taken and paid on time the rep continued to say that is false I also stated to revoke ACH auth on my account and I will pay online or by XXXX XXXX the rep stated that he couldnt help and to email him the written request I have proof they have taken my money and are trying to scam me out of my money I need them to remove me from ACH payments and also post the money that they took from 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 2021-10-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to XXXX department store on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX on XX/XX/2021 and once I got to the register I was asked if I wanted to sign up for a store card I first said no and the cashier insisted that she did not need to run my credit and stated that she only needed to run my ID card.I then agreed and was was prompted to type in my Social security number on the keypad I then refused and told the cashier to please take my information off the screen and she then agreed and turned the keypad towards her and started to type and I instantly got a notification from XXXX XXXX saying I had an hard inquiry on my credit.I then demanded to speak with the manager and after a discussion we agreed upon that the cashier put in a bogus Social security number to complete the application for the store card. The store manager then gave me the credit card company number and when I called they also confirmed that someone put in a bogus social security number and they only needed the contents on my ID to complete the application and it was nothing they could do to help me get the inquiry off my credit so now I am reaching out to you for help after I called my lawyer and he advised me to reach out to you guys because it is a tragic blow to my living situation because for the last 3 years Ive been building my credit consistently to purchase my very own home and this has been a huge setback 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Open : XX/XX/2019 Amount : {$730.00} accordance with the Fair Credit Reporting act XXXX XXXX  account # 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 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2017-05-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in  XXXX  school in  XXXX  at  XXXX  and when I went to the financial aid office I had  one or two da ys to sign my loans before school started. I got a " public loan '' fro m Navient as well  as private loan from  XXXX   XXXX . I got a telephone call fro m Navient on m y cell phone in  XXXX  asking if " I 'd like to consolidate my loans for a lower rate today over the phone ''.     I was in financial distress so I agreed to. However, today I still have about  XXXX  different loans under Navient, and they are all different interest rates and not consolidated into  XXXX  fixed loan or interest rate. It was all very confusing and of course I was going to say 'yes ' over the telephone if I thought I was going to consolidate my loans and lower my monthly payment. I 've been taken advantage of by Navient and  XXXX   XXXX  and it all started at the financial aid office at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, For many years I carried an accidental life insurance policy with XXXX which I paid via my JC Penney Credit Card. I had this account on auto pay, debiting my bank account to pay the monthly premium of {$8.00}. On XX/XX/2022 I contacted XXXX XXXX and advised them I wished to discontinue the policy. I was informed the premium for XXXX was paid so the policy would be in effect until XX/XX/XXXX. Since I no longer shop at JC Penney I also deleted my bank account for auto pay. 

Today I received an email alert from XXXX advising me there was a decrease in my credit score. I logged on to XXXX to learn that JC Penney had my account reported as 30 days delinquent and my credit score had dropped XXXX  points! Not once have I received an email, letter or phone call advising me my account was delinquent. 

I contacted JC Penney this afternoon and paid the " outstanding '' balance of {$8.00} and requested that the JC Penney store account also be closed. Since my husband was the " primary '' cardholder he also got on the phone with the customer representative to confirm that we wanted the account closed immediately.

In addition to making sure my JC Penney account is closed I would also like this delinquent report removed from my credit report and my outstanding credit score restored. 

XXXX and XXXX XXXX mobile phone 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 non-monetary relief
Consumer complaint received 2019-11-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original owner of account is Comenity Bank. I got notification from Comenity Bank just recently that the account was SOLD to XXXX XXXX. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. XXXX XXXX is reporting inaccurate information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I viewed my credit file and found an account from a company I have never heard of. Convergent Outsourcing. I have never applied for credit with this company and do not know who they are. I understand they are supposed to send me written notification if they legally intend to credit report in my name. They failed. I have since written them requesting validation of this account, again, they have sent me nothing, failing in their obligations. I am appalled at their lack of communication. I am desperately trying to find someone to help me, as a consumer, it should not be this difficult to obtain information from someone reporting information about me. I have read the the FCRA and FDCPA were written to protect me from this exact thing. I have also read that ONLY YOU CAN HELP 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 2021-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Accurate Background
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for XXXX for XXXX position, which required background check where i got shocked by this on my background check my legal name is XXXX XXXX and my marriage name is XXXX XXXX so for my back ground check i submitted my name as XXXX XXXX but in my back ground check please read below it says the applicant provided the below names who is this applicant who used XXXX XXXX as one of my names XXXX XXXX is my daughter and she is XXXX years old and XXXX XXXX is XXXX years old AKA AKA SOURCE XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant attched the back ground check page two that list XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has ugly records where XXXX XXXX XXXX XXXX years old fresh out of college why missing with her record and identify her as XXXX XXXX please dont let any applicant use XXXX XXXX the sweet kid as if she XXXX XXXX the XXXX years old not sure how this applicant listed XXXX XXXX and XXXX XXXX about my daughter im terrified now that my daughter is listed as she is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My Equifax Credit File is currently split into XXXX different credit files. This has caused a number of major issues for me due to one of the files having hardly any account information on it at all. Thus showing I have a score below XXXX. I have requested on a number of occasions that my files be merged and I keep getting told they ca n't help me. I have frankly become so frustrated with Equifax and their Customer Service, that I have turned here to hopefully get some assistance in clearing this matter up and making my credit file with Equifax whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX  PA 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 Experian XXXX XXXX XXXX XXXX, TX 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, 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

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 2022-04-14
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!

Company response to consumer: Closed with explanation