BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Loancare sometime between XXXX of 2019. XXXX, my previous company, went bankrupt and I was dumped into this company. Almost immediately, my escrow payments increased XXXX a month, for what the company said were " under payments ''. I provided documentation to them that stated my taxes had no been raised enough to constitute that much an increase, and my homeowners insurance hadn't either. No one cared and they stated that they would re-evaluate it in 6 months. I couldn't afford to pay this, so I missed payments and my credit was deeply affected. Every time I would call, I would get a different person with a different answer or different explanation. No one cared, no one helped and no one would look into things. I asked for a supervisor, but never got one. Just transferred to their department. I was forced into taking a loan modification to avoid foreclosure. All along, my credit suffered even more. It is now in the low XXXX 's and will be years before it's turned around. 

On a side note, there a thousands of reviews online of this company, the overwhelmingly vast majority are negative. They seem to all be about escrow issues and no one can get any answers.

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
These inquiries on my credit are not correct. Please block and delete these items.

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 2021-12-14
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2022-11-07
Company: EQUIFAX, 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. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CNG FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am from XXXX and went to XXXX, Delaware at Check n Go to apply for a payday loan, XX/XX/XXXX. I was approved for a loan amount of {$3000.00} with payments of {$300.00} due every two weeks for 37 weeks. I thought that was an outrageous amount as I have had loans before and never had to pay that much, ever! The agent said it was because of the interest. Back around XX/XX/XXXX, I called Check n Go asking for the payoff amount thinking it would be about {$1800.00} bc I made about {$3300.00} worth of payments. However, the lady that answers says the payoff amount is {$3100.00} and some cents, I said how and she says all the payments have went to interest you shouldve been paying more if you wanted the payments to go towards the principle. I said if you all put more towards the principle the interest wouldnt stay so high and keep accumulating it will take forever to payoff. Her response, yes thats why we say pay more and I told her I was never told that and the {$300.00} was already too much every two weeks and that it was a rip off! My original loan officer told me I could pay off the loan early and it will save on interest but if the amounts were paying are only going to interest then the principle is never paid down and it continuously accrues interest. I wanted to pay the loan off that day so I would not have to keep making these outrageous payments but could not because the amount was still more than I borrowed even though I had already paid back more than I borrowed. Also, they reported this loan to the credit bureaus and I was unaware that this would go on my credit, I have never heard of a payday loan posting to a credit report, I was shocked when an inquiry occurred let alone an account posting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lake view Loan servicing LLC ( LLS ) was supposed to pay my real estate taxes in XX/XX/XXXX when I closed on my loan. They never paid them. In XX/XX/XXXX ( XX/XX/XXXX ) I received a tax delinquency notice from my township. I contacted XXXX on the same day and requested they take care of it. I was told a ticket was open and the taxes would be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted LLS and was told a check was sent out to my township for my taxes. On XX/XX/XXXX I received a lien notice from my township because my taxes were not paid. When I contacted LLS I was told they made the mistake and the taxes would be paid by XX/XX/XXXX. I followed up multiple times between XXXX to get a status. I was told it was elevated to the highest person it could go and that I needed to wait until XX/XX/XXXX for it to process. Well here we are XX/XX/XXXX and NOTHING. Now I am told its been escalated again, but I have to wait at least 24 hours for someone to look at it. And then however long itll take for someone to pay it. This is a nightmare company. They dont care how they affect your life. They hold YOUR escrow and down pay the taxes they are required to pay! I dont even have the ability to pay my own taxes! Im forced to have them included in my mortgage payment! Please help! 

I spoke to Supervisors : 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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.

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 2017-09-14
Company: EQUIFAX, INC.
State: MA
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:
About a week ago, Equifax was obviously hacked, and all sorts of personal information was divulged. As a result, I have been forced to jump through hoops in my busy schedule in an effort to ensure that I am safe from potential harm. At this current time, it appears as though I am safe, but it still has caused me quite a bit of worrying as I try to check all my bases on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2019-12-19
Company: 1st Franklin Financial Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2021-01-22
Company: Bread Financial Holdings, Inc.
State: MD
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  and XXXX are reporting that my Frontgate account was late for the month of XX/XX/2020, however, I made two payments on the account in XX/XX/2020. One payment was dated XXXX {$180.00}, and the other was on XX/XX/2020. I was never 30 days late on this account. I have tried discussing this with Frontgate and nothing has been resolve. I have supporting documentation if needed. According to the Fair Credit Act in order for a payment to be late, it has to be beyond 30 days. These reporting agencies are not investigating the problem correctly, and do not care how it affects the individual 's life. I see this every day with my own clients, something needs to be changed or more regulations with the reporting companies. I have made the same complaint several times over the same issue. The credit reporting companies hold your lives in their hands, and then make it difficult to get resolved. Unless you are willing to pay them they do nothing about incorrect information, as far as I can see the credit reporting agencies are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! - An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. - An account that I had removed XXXXXXXX XXXX  XXXX was back in my report! - Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! I demand an explanation of the miss handling of my report immediately and my account to be corrected. I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX  XXXX I demand the account XXXXXXXX XXXX to be corrected as OWNER and NOT Authorized user. I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
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:
Chase Bank decided to close my 4 credit card accounts and mentioned it was due to a " pattern of abuse ''. When I reached out to the Executive Office on a recorded line, I mentioned that I had a lot of service cancellations and disputes ( I found out recently I have an extreme XXXX XXXX  and when merchants tell me they can not guarantee safety and fail to refund me as a result, I had the need to dispute these charges ). I was assured this is never the reason for an account closure, yet I was not provided with one. I rely on my credit cards for my day to day expenses and it deeply saddens me to see this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Ditech Financial LLC
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:
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: OK
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:
Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is  hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law.

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2022-07-22
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment due on XXXX of {$2900.00} for mortgage payment. 
Payment made on XXXX of {$3000.00} for mortgage payment in branch. Their online system is having challenges as they complete a merger. 

XXXX the online system tells me I have missed a payment that was due on XXXX. This is not rational since I made the payment a day early and overpaid.

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