BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
dear sir/madam, the   XXXX   XXXX   XXXX   was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :  XXXX   XXXX ,  XXXX .   XXXX   XXXX    XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on  XXXX   XXXX ,  XXXX  {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX     XXXX  Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off

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 2017-03-07
Company: ERC
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:
In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-14
Company: Blakely-Witt and Associates, Inc.
State: TX
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:
A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX CARD-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Information belongs to someone else

Complaint:
I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the Office of Personnel Management as a federal employee and my file was affected by the XXXX XXXX believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.

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 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-21
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my regular payment of  XXXX  in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of  XXXX  and refuse to follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: ECMC GROUP, 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: Account information incorrect

Complaint:
ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc.

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.

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 2023-02-08
Company: B9, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2023 {$3300.00} was supposed to b put in my acct instantly by XXXX XXXX  to B9 and neither company had given me a refund or deposited my funds. Also B9 is charging me XXXX for external fees for no reason

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
With current VA IRRRL interest rates very low, I have tried to refinance my current VA IRRRL at 3.50 % interest, the note for which is held by M & T Bank servicing the loan on behalf of XXXX XXXX XXXX , XXXX. For two consecutive months ( XX/XX/XXXX and XX/XX/XXXX ) extra fees have been posted to my loan payment statement for information sought by those potential lenders in regard to the " payoff amount. '' These fees are nowhere spelled out anywhere in my VA IRRRL documents ( completed in XX/XX/2014 ) as necessary to having the loan paid completely. A careful bit of analysis would seem to indicate this is a form of " ballooning '' the amount of the loan to the benefit of the servicing entity, here, M & T Bank. If they are allowed to continue to do this to all Veterans for whom they provide " loan servicing, '' this will amount to hundreds of thousands, perhaps millions, of dollars taken from Veterans who are on a single income - their VA compensation. I, personally, am not in fear of foreclosure as I have stopped the entire process of seeking a new VA IRRRL as the process had become far more complicated than I was initially told when contacted by these lenders ( there were 3 ). These " fees '' are not huge in terms of my loan, but I question by what authority does M & T Bank believe it has the right to raise the cost of my mortgage to me except through legally required notifications of a prospective change to the loan amount, i.e., I have an escrow account ; therefore, an increase in either or both property taxes and home owner 's insurance would be something which the servicing entity is required to inform me. I have carefully read my existing loan documents and can find no reference to additions to my loan balance either through " fees '' in order to provide information or then consequent increase in my mortgage balance.

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 2015-12-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a situation that I can not make my mortgage payment in the next month with Bank of America. However when I get online at the bank website to apply for 120 days postpone payment, their website saying that they will report to my credit bureau that during Covid-19 that I can not make mortgage payment and the late charge is not charge. My question is, is this reporting from Bank of America affecting my credit in the future if I apply for a loan or credit card?

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 2016-01-12
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report. 
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : 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 an 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 2017-05-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Care Credit has  two accounts on my credit report listed as closed one showing sold for profit loss and one showing {$370.00} past due and {$710.0 0} is the current balance due. My credit report was pulled and it shows  XXXX  accounts open months within each other with a {$800.00} credit limit. I called care credit and asked for a layout and what all services was these accounts used for. They stated they was both sold to a third party so they can no longer communicate on that account. I sent a letter asking for validation for both accounts. Never received an answer. I then did a dispute with  XXXX   XXXX  on  XXXX   XXXX ,2017. On    XXXX   XXXX  2017      XXXX   XXXX  says my dispute is closed and the account is accurate and I am responsible. Now my credit report has been updated and now showing as a open account on my credit report with a past due balance and 87 % credit utilization and the last  three m onths with missed payments. I have created a second dispute which is now pending for another 30 days.

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 2017-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.

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 2016-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours XXXX

Company response to consumer: Closed with explanation