BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: MOHELA
State: NC
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:
I submitted a complaint about the way my public service loan forgiveness qualifying payments were being calculated. MOHELA claims I am 8 qualifying payments short. In their attached response they stated that my last date of certified employment is XX/XX/XXXX. This is incorrect as I submitted certification forms through XXXX of XXXX. I submitted these forms repeatedly. That means there are approximately 20 payments MOHELA is not counting towards my PSLF forgiveness when I am, according to MOHELA, 8 payments short. 

Additionally they states I was in an in school deferment from XX/XX/XXXX through XX/XX/XXXX. This is incorrect as I applied for and received forbearance during that time. I would like the documentation showing that it was in school deferment and not forbearance. If their records indicate that then the servicer at the time mis-recorded that. As forbearance of over 13 consecutive months these should also be qualifying payments per their own response letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Bridgecrest Acceptance Corporation
State: IL
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:
They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/2021 i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-08-11
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a previous complaint. I just got off the phone with my tax office they stated they sent a refund for {$3300.00} on XX/XX/XXXX to XXXX my previous lender AKA Guaranteed Rate. I did NOT receive that. I just received a check about two months ago for approx {$500.00}? Please refer to my previous complaint. They held escrows when I closed and never paid my taxes. I closed XX/XX/XXXX taxes were not paid till the following fall only because I alerted them to a lien notice for non payment. They need to send a ledger showing how funds were allocated. They held money at closing and then collected escrows every month the numbers arent adding up. I was charged late fees penalties and interest from XXXX and XXXX XXXX. I feel they are with holding money. I have tried numerous times to contact them. No one will respond. It took me filing a complaint with you guys to get a refund almost two years later! This is deceptive business practice. They sent ck XXXX for {$3300.00} on XX/XX/XXXX and I havent received any of that. On top of whatever fees, interest ect they paid on my behalf because THEY did not pay the bill. I should not be responsible for any of that as they held the money in escrow and it was their mistake. Please see my cd they held a whole year in escrows- which was over calculated. My current taxes arent even this much with a 25 % property value increase since last year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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:
I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXXXXXX XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
SMALL BUSINESS ADMIN XXXX I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: SUNCOAST CREDIT UNION
State: FL
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:
I purchased a XXXX XXXX from XXXX XXXX in XXXX Fl and at the time of our I added gap insurance as well as an extended warranty. I recently traded on the XXXX XXXX on XX/XX/XXXX in which was paid in full to Suncoast Credit Union. I contacted XXXX XXXX to cancel my aftermarket products and obtain a refund for the unused portion and was advised they do not handle these types of requests and asked me to contact the dealership. I called XXXX XXXX and was advised I could only make a request to cancel the products with the finance XXXX who sold the products to me. After calling several times because he was out of the office or assisting other clients. I spoke to the Finance XXXX who stated I could only cancel the products if I came in to the dealership. I advised him that wasnt possible as I live XXXX  hours away. He stated he would email me the forms. I have yet to receive them and have called and left several messages with no return call. It should not be this difficult to cancel these products and it seems Suncoast Credit Union should have some level of responsibility in assisting me to get this done. XXXX XXXX seems to have some deceptive practices in all of the parameters they are putting in place to complete this task. It shouldnt matter who I talk to to cancel the products the process should be consistent across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Target. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Your Loan Number : XXXX, XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from Just Mortgage on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XX/XX/XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and XXXX XXXX XXXX as the Owner of the Loan Estate of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Your Loan Number : 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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am in the process of selling my home. Chase bank acquired the company I originally received a loan from. They have not filed my extension of credit, so the title company can not clear title for me to close. They also have not furnished any documents from their lien research department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Exeter Finance Corp.
State: GA
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a message through XXXX from someone I believed to be a friend. We had a conversation a week or so earlier about things being tough at home. So it was no surprise to me that I received a request from who I believed to be this person for financial assistance. 
This person stated that they were in dire need of money and promised to pay me back as soon as possible. I downloaded XXXX and sent {$300.00} to a XXXX XXXX XXXX who I assumed was a family member. After the transaction, this person had requested another {$700.00} and that is when I knew I had been scammed. I was able to finally reach the actual person by phone and she had told me that she was aware that she had been hacked and apologized for not reaching out to me about it. I then reached out to capital one and placed a claim. Capital One stated that because the money was sent legally the bank would not be able to recoup the money and therefore could not reimburse me for the loss. I challenged it again and was given the same response. This was fraud by an imposter and I should have received assistance from my bank. I contacted XXXX as well about this fraudulent account. They too could not recoup the money for me. This was a financial crime that was done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS During this time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services XXXX XXXX XXXX a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS For the second time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

These transactions consisted of the following at minimum transactions : -An unauthorized account was added for the purpose of internal transfers according to the fraud department representatives. 
- {$2400.00} dollars was removed from primary checking account ending in XXXX, and pending transfer to said unauthorized member to member account. 
- {$500.00} dollars was removed from my secondary account, ending in XXXX, and pending transfer to said unauthorized member to member account. 
-Several Cash advances were requested from my account credit cards with pending cash transfers to said unauthorized member to member accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX  A report was filed with FDLE to document fraudulent charges. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union Fraud Services ( XXXX ) As requested, all checking, savings, and credit card accounts were changed to remove unauthorized access. I was informed by the representative that the issue was under investigation. 

On XXXX XX/XX/XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) The representative named XXXX stated that the appropriate fraud claims were not opened nor completed during the previous call. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the XXXXXXXX XXXX to file for fraudulent claim in person. I provided a demand letter explaining the fraud that had occurred. I spoke with XXXX, who gave me a form to fill out and printed all my statements from the last month for my accounts. She informed me that she would put in an urgent request for my money to be returned, but that it could take several months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account : Super.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My XXXX credit card ( XXXX ) is listed twice on my report ( see pages XXXX ). I only had one XXXX credit card and it was closed on XXXX. 

Also, the XXXX card lists a {$360.00} balance in XX/XX/2023 but I never borrowed any money on this card. The balance was money I deposited onto the card and then immediately used. The XXXX card says it's a secured credit card but you can not borrow against it. You can only use the money you deposit and the money is not held in a security account. You do not borrow against the card or receive any credit to spend. You just add money when you want to use the card and then you can spend that much. The balance I carried was never borrowed from XXXX card. I deposited those funds and spent them the same day. 

I have attached XX/XX/2023 transactions to show that I would deposit money on the card and then immediately spend only the money I just deposited. I did not carry a balance as if I needed to pay XXXX back. There are no payments or statements or bills.

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 2023-10-20
Company: UNITED MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
My partner and I opted for United Mortgage as our financial institution in order to secure a loan for the acquisition of a new residence. 

Due to unforseen events, we came to the realization that we would not be unable to financially sustain the ownership of this house. 

On XX/XX/23, me and my partner received an initial disclosure indicating a cash to be paid at the time of closing amounting to {$130000.00}, along with an estimated monthly mortgage of {$5700.00}. However, on the day of the closing, we were blindsided with an adjusted final disclosure, which stated that our new cash to be paid at the time of closing would increase to {$140000.00}, and our new monthly mortgage would increase to {$7000.00}. The significant disparity between the amounts disclosed on XX/XX/23 and XX/XX/23 led my friend and me to conclude that we simply did not have the means to afford this property with the additional expenses involved. 

We think that the property taxes should have been assessed in a way that more precisely represented the expenses and the ability to afford this house from the start of the agreement. The sudden alterations not only caused difficulties for my friend and me but also placed us in a situation where we feel compelled to complete a deal that we can not afford, or else abandon our sales contract and forfeit our {$10000.00} deposit. If these numbers had been revealed to my friend and me in a more prompt fashion, we would not have contemplated purchasing this house. 

According to the revised figures provided to us regarding the intended date of closure, we do not have the financial means to pay for the mortgage of this house. As a result, it is probable that we will be unable to make our initial mortgage payment and subsequent payments in the future. 

My friend and I request you to carefully examine the details provided as we suspect that the lender provided inaccurate and deceptive information with the intention of enticing us into this agreement. 

Thank you.

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 2023-08-11
Company: FIRST PORTFOLIO SERVICING INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}

Company response to consumer: Closed with explanation