BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Santander Consumer USA Holdings Inc.
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:
Upon review on my consumer reports I noticed that the company have been reporting an fraudulent account to the consumer reporting agencies. 
If the account is still going to be reporting on my consumer report I will pursue action in federal court because they are violating 15 U.S. Code 1681s2 - 18 U.S. Code 1038 And making false statements to XXXX Thats 3 counts to each violation My signature was forged and I didnt sign contract with Chrysler capital For USC VIOLATIONS will be disclosed in federal court Chrystler capital XXXX or XXXX ID # XXXX Legal number or fax XXXX Credit dispute XXXX XXXX XXXX XXXX  Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.

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 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have a XXXX and XXXX with Bank of America. My husband and I have got caught up in the predatory lending of several years ago when the housing crashed. We continued to pay our mortgage, at XXXX point we were given a temporary modification ; however that did not solve the issue. I am well aware we make some bad decisions. When we signed the loan with an adjustable rate we were told it was only temporary and would only be within 5 years and we would be able to refinance to a fixed rate. 
We have repeatedly tried to get the loan modified to a fixed rate with a lower rate, currently we are paying 9 % adjustable and a XXXX at 12 % with a balloon.. We are paying over {$1800.00} for a {$200000.00} loan on a house that is not worth {$150000.00}. We made another attempt to have the loan modified, we were turned down. BOA turned down the modification, but stated they will support a short sale. We have been in this house over 21 years and have attempted to stay. They are basically saying they will give a lower rate/fair mortgage to a new buyer but will not work us ; with the customers who have paid faithfully when 'normal ' people in this situation would have walked away along time ago. We estimated we have paid them over {$200000.00} already. This should be a crime.

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 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a letter from my mortgage servicer Fay Servicing stating the forbearance I requested was granted and additional information is needed to process my mortgage assistance request. I received a call from Fay Servicing XX/XX/2020 stating there was a property foreclosure sale set for my home XXXX, how could that happen when Fay servicing stated I'm in a forbearance. I have not received correspondence from Fay Servicing or XXXX XXXX XXXX XXXX XXXX the foreclosure attorney stating there is a foreclosure sale for my home. Tennessee Code Annotated states the home owner is to receive 30 notice prior to the foreclosure sale

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice. 

I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon. 

On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions. 

I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close my account.

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 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control have reported to the Credit Agencies that these accounts has been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.

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 2022-04-15
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Bank of America, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
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 2017-10-12
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.

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 2020-12-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Cpi was placed on my loan in 2006 and it raised my payment making it unaffordable. 
Wells Fargo Repossessed my auto because of nonpayment due to increased premium which I did not need I had full coverage. I am out alot more than the XXXX they refunded so far and there refusing outside mitigation. I want outside mitigation.

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 2015-12-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 explanation
Consumer complaint received 2020-12-30
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Based on the payments made Nation Star is showing an incorrect balance for my mortgage. I have included a spreadsheet showing transactions from my XXXX checking account to Nationstar and a document Nationstar sent me showing the transactions in their system.

Company response to consumer: Closed with explanation