BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm an XXXX XXXX Veteran using my VA home loan. On XX/XX/XXXX, I called Citizens One to inquire about options for my mortgage of {$2800.00}. I am writing with concerned frustration and irritation about Citizens One home mortgage department. I have a mortgage through them and I was hoping they could offer some assistance during these unprecedented times. Due to the recent Corona Virus pandemic and the uncertainty of work as well as the government mandates to stay home, their lack of realistic help is amiss. They informed me the best they could do is forbearance and were not offering Deference. While I understand that during normal times offering forbearance to some while they get back on their feet is suitable, this just seems preposterous for these circumstances. If they take one cent of government bailout money while people are being mandated to stay and home and NOT go to work without offering deference then they should be listed as a predatory lender and prosecuted for scamming the government. The bailout money IS NOT meant as a profiteering investment capital infusion but a financial measure to ease burdens of the public which Citizens One as of this date refuses to do. 

Most people wont be able to make up for the months of build up of mortgage payments or they will have to renegotiate their term loans to a far less desirable contract for the home owners which in my opinion is their aim and goal. This practice just seems absolutely dubious and not the intent of them needing to be bailed out. I fear that this kind of response by someone of their stature in business is going to lead foreclosures, homelessness and an overall loss of what would be society contributing homeowners. 

I hope that Citizens One will not receive any type of aide or government bailout assistance if they choose to treat their customers the way they have shown. If they do, it would be a national disgrace and travesty to have, yet again, another big business take money then turn around and stiff the same people that bailed them out that being American tax payers. 
This is a time the nation should be working together for the greater good not a time to be milking people for every penny they have. 

I look forward to hearing about any outcome so as to send a thank your letter or to escalate actions to make this a far more public awareness campaign of companies to avoid or to refinance out of. 

A Concerned XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A fraudulent credit inquiry was made on XXXX by an individual through XXXX. I contacted XXXX XXXX to report the unauthorized use. I received confirmation that it was in fact fraudulent though it remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22 we were notified that our credit score had dropped XXXX points because of an account that went into default. We had no other information and had not received any bills or notices that any accounts were in collections. Based on the credit report information, we figured out it was a debt with XXXX XXXX XXXX, associated with my former employer. They paid for our internet service while I was employed there, and upon termination of my employment I returned all related equipment to the company. The company never closed the account or returned the equipment, and the billing statements were all sent to my former employer. Upon calling Credence Resource Management, we attempted to correct their records but they did not cooperate and would not correct the account holder. I sent a formal request for debt validation via USPS certified mail, which was received by Credence Resource Management on XX/XX/22 but they have yet to respond as of today XX/XX/22. I had to file a dispute with the credit reporting agency in order to get the debt removed from my credit report. I also incurred legal fees because my lawyer had to contact my former employer in order to get the account paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 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 2015-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up?????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are multiple accounts appearing on my credit report that I have never opened

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 2016-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim an identity theft. I have my car loans, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX card, XXXX bank card, XXXX XXXX, XXXX card, XXXX card, XXXX student loans and I have any knowledge of anything else that is showing in my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & 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 2022-04-14
Company: American First Finance, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sold products to me for home. One item ( a dishwasher ) was taken back to store. The financing company XXXX XXXX. did not acknowlege the item. Even after XXXX had contacted several times on having the merchandise IN stock returned and out for sale. XXXX kept charging and drafting from our bank account because we were on auto draft. I had to ask for a refund because of the mistake. 
The same thing happened the second month. So, I had to ask for a return again. 
I took my account off auto draft for the item not being returned or recieved in acceptance. 
XXXX Had been notified several times with months going by. XXXX has been listing on credit late payments or no payments.. Damaging our credit when we were trying to buy home. This has prevented us from buying one or credit going up. 
This still has not been fixed. Its a never ending problem. THe manager from XXXX and assistant manager at XXXX and XXXX XXXX XXXX has been advocating for us. But, still no fix. Please help us with a resolution. i also have had over 60 emails and 45 calls in 3 months of problems which is excessive due to the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-03
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cash Call contacted us to see if we wanted to refinance the mortgage loans we have with them for a noticeably lower rate. They said that it would be very simple and not difficult since they could use the prior applications they have on file to approve us. We went through this and throughout the process it was not as simple as they initially stated. They then drew up the loan documents and had us signed them stating that the loan was approved and therefore with the signing of the loan documents it would close within 72 hours. We signed the documents. A few days later we get a call stating that there were several other pieces of information that they needed with additional information being on items not relating to the property being refinanced. Totally unrelated documents were being asked for such as rental agreements on other properties and documents of other properties. They never closed the deal. As signing the loan documents there was a clear agreement and commitment on their part. Cash call always has documents signed and then comes back for more documents/information as they know people will more than likely submit more information versus saying no after they say no further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Nelnet, Inc.
State: MA
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:
It showing late payments for XXXX 2019-XXXX  2019 and its holding me credit down. I asked for a forbearance at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a number of business accounts with Bank of America for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Bank of America. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to " check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Bank of America of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual " yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Bank of America representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Bank of America. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.

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 2016-04-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Midland Funding bought an old Medical debt and put it on my credit report as if it had just been filed in XX/XX/XXXX, but it 's Original Delinquency Date was XX/XX/XXXX. As of XXXX/XXXX/XXXX, they have put a hold on my bank account but never even notified me of any court action. When I called them to discuss the hold, they falsely claimed they were a Law Office who was trying to collect the debt for the Hospital, but when I tried to get the truth out of them by questioning them further, they hung up on me. This company has harassed me by calling me several times, and even when I answered sometimes, they 'd say nothing for several minutes and then hang up. Could you please help me, I do n't know how to get the hold off my bank account and them off my back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: ALLY FINANCIAL INC.
State: SC
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:
For almost 2 years, I have tried to get XXXX to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company Ally Financial. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted Ally and they are fully aware of the error in their reporting, they have yet to correct it on my XXXX credit profile.

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 2017-01-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
We filed a dispute with Equifax on XXXX/XXXX/16. The site still lists the investigation as pending and it has been longer than 30 days. The other XXXX reporting agencies XXXX XXXX and XXXX XXXX have returned the information in a timely fashion. When we call to get information they try to sell us their credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.

Company response to consumer: Closed with explanation