BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
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:
I have XXXX XXXX XXXX XXXX XXXX ( AKA XXXX, XXXX XXXXXXXX XXXX ) all amounts due, on time, since the inception of my contract with them approximately 10 years ago. They consistently make accounting errors, send harassing inaccurate bills, and are unresponsive to concerns. It is starting to appear as though they are using these tactics to intimidate, defraud, and extort their customers. Its been years of correcting their inaccuracies and every time, every contact Im assured my account is in good standing and up to date. Come to find out today theyve reported my account as delinquent. It is not. Not only have I attached proof, I called and verified it is and has been in good standing ( call made today XXXX ) and received a verification email. The representative also sent me experians contact information for in her words when these things happen, and since she couldn't help me from her end. So they can apparently fraudulently report it but not correct it. 

I have attached a pdf containing proof of payment monthly over the past few years. In the pdf there are cashed checks, banking transactions, credit card transactions, emails from company representatives, and screen shots of my online account with XXXX XXXX XXXX. Youll notice theyve changed company names multiple times first they were XXXX, then XXXX XXXX XXXX, then XXXX XXXX XXXX. All the same solar company and all the same address. There may be a company name or 2 Im forgetting. This company is incompetent, they consistently mess up billing, Ive spent countless hours on the phone with them making sure theyve recorded payments Ive sent. I called today and verified that my account is not nor has it ever been delinquent. They made a frivolous and baseless claim against my credit report.

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 2022-04-27
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2022, I requested to have the PMI removed from my mortgage. In XXXX an appraisal was ordered by the servicer and the value came back at {$510000.00}. I currently have a loan balance of {$390000.00} which would give me approximately XXXX XXXX XXXX ratio. The servicer has denied my request for PMI removal indicating that the XXXX ratio needs to be at XXXX XXXX. That is outside normal requirements for PMI removal. When I requested the documentation that indicated the XXXX ratio was reduced to XXXX XXXX  I was told there is no documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}

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 2022-04-27
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on approximately XX/XX/2021 a new company took over our mortgage. 
we made a single payment through our bank, the same way we have done for years. 
my XXXX XXXX/ Mr Cooper is the new company, we filed a complaint that they took out XXXX payments instead of 1. it took them nearly 1 entire month to refund us back XXXX dollars, a month later they charged us a refunding fee, {$15.00}. we complained several times but they just blow us off and never do anything. we would like our {$15.00} credited to our mortgage and any late fees associated buy the companies mistake, we would also like them to refund us for our insufficient funds fee of {$50.00}. this error was done by the company and not buy us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: OR
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: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chairman and Chief Executive Officer XXXX XXXX I Diplomat ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, i a full amount payment to XXXX XXXX XXXX  was received, via USPS proof of Delivery and service signed by XXXX XXXX at XXXX. I received a phone call on XX/XX/XXXX from XXXX from the Back Office executive office. See attachment. I called on XX/XX/XXXX and spoke to a XXXX whom said he saw the tender of payment made but XXXX XXXX refused and or declined the payment. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a Diplomat has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid. Slavery forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to use the card by way of identity theft, and i have not used it as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, Virginia-based XXXX XXXX XXXX ( now part of XXXX XXXX ) announced the corporate spin-off of its credit card division, XXXX XXXX, naming XXXX XXXX as CEO. [ 10 ] XXXX renamed the subsidiary XXXX XXXX in XX/XX/XXXX. [ 11 ] [ 12 ] At that time, XXXX XXXX was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards. [ 13 ] This strategy is risky in that it can lead to losses during bad times. [ 13 ] XXXX XXXX attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers. [ 14 ] XXXX XXXX began operations in XXXX in 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 2022-12-19
Company: EQUIFAX, INC.
State: CO
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:
On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have charged {$590.00} for the entire time I have had the card. I have made {$540.00} so should only owe {$47.00}. I tried to do chargeback for lotion purchases that I thought were free from XXXX XXXX XXXX  and XXXX XXXX XXXX for ( {$110.00} + {$85.00} ) on XX/XX/XXXX. Citi advanced refunded me {$320.00} while investigating and then they said I couldn't do charge back because the company said it was too late to return. I am a XXXX year old female that has XXXX XXXX XXXX and forgot to ask my children how to return. Every other credit card company in the past will charge back if customer said they didn't want the product and trying to return except citicard. The people involved were hard to understand because I can't hear well and they don't speak clear English. They are predatororial to seniors and their limitations. I called them with my daughter XX/XX/XXXX, XXXX, and XX/XX/XXXX and was put on hold for 20 to 30 minutes waiting for a rep and then it just disconnects. When I do get one on the phone they confirmed they made mistakes and need to credit back my account but never did, then they charged me {$25.00} late fee when I was few days late thinking they credited my account like they said I shouldn't have a balance. I had no idea. They have violated almost every code there is for the consumers protection. My credit score is XXXX because I always pay off my debt completely and on time. I don't want to keep paying for things that I didn't purchase and they keep charging me even though I closed the account. Please have them resolve this for me asap and please charge them for their illegal charges to my account as well as using schemes to make it difficult for me to rectify.

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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have seen several items reporting on my credit history that I did not authorize this is a form of fraud an identity theft Im applying that these items get removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bought a home last XXXX, HUD states payment will be {$2400.00} for the first 1-8 years w/ a lower payment there after. Received a notice that my mortgage would be increasing this Spring as well as sold to a new company. Initial loan company stated the increase was due to homestead exemption, however, after reviewing the paperwork I have found it to be the fact that they missed PMI inclusion in the mortgage overall payment. Given I never agreed to the increase and it was negligence on their part, I would like to launch an investigation for negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay shows payment due amount, and when I make the payment, they use it to credit the month I already paid. This is not the first or second time they did this to me, this is done to take away my 9.99 % Fixed interest rate. The first time they did this, I didn't catch it until I saw they said I didn't make a payment last month, and raised my interest rate to some super high amount, and put me to a Variable rate instead of a Fixed rate I had. I contacted many Officials that couldn't help, but XXXX XXXX XXXX Office got involved and said if I pay the three months of payments I owed ( While I was arguing with Barclay ), they would put everything back as was. I immediately made the payments and all was good ( for one month ). After that month Barclay decided to XXXX up my interest rate again, and put me back on variable rate. I once again contacted XXXX XXXX XXXX   XXXX and the again got it straightened out. I had to watch online to see when a payment due amount is shown, before making a payment. Once again it had shown an amount due, so I made the payment, and once again they credit it for the prior month ( on purpose to remove my low interest rate? ). I called and asked them to change it for the correct month, and they said they couldn't, and I had to pay a second payment that month to correct it, or ask my bank to request the money back, witch could take more than 25 days. I had the same problem, and Barclay said they can't fix it. Barclay has no logical reason for doing this, and should be stopped. This time I have taken a screen shot before making the payment to prove what they are doing.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I originally got a loan for XXXX. Ive been paying for this vehicle for XXXX years now and Im roughly owe XXXX now. Since its been XXXX years the loan has increased to XXXX. However over the XXXX years Ive paid XXXX. So that means Im those XXXX years Ive paid over XXXX in interest. I feel this is unfair my credit score was at an average score at the time of purchase. The salesman told me that it wasnt high but over the years Ive learned that the interest is high. I feel that this is extremely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AMERICAN HONDA FINANCE CORP
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
American Honda Finance strikes again with their ridiculous billing/customer service practices. Due to an ongoing billing issue beginning XX/XX/XXXX, and their refusal to accept their responsibility for the system billing error, I was able to obtain a new refinancing offer from a local credit union in XX/XX/XXXX and initiated a refinance. American Honda Finance was contacted by the bank to obtain a 10 day payoff. In XX/XX/XXXX, I was granted a deferred payment, which was the least the company could have done for their initial botching of correcting the main issue in XX/XX/XXXX. The payoff that was provided, did not include the the amount that was deferred, so American Honda Finance accepting a payoff check for {$32000.00} on XX/XX/XXXX. The current status of the account reflects the account is paid until XX/XX/XXXX with an amount due of {$520.00}. This is completely ridiculous as this amount was for the deferred payment which is actually does not constitute the full amount of the monthly payment which was {$680.00}. The amount of {$520.00} appears to be late fees that American Honda Finance Company assessed on the account from XX/XX/XXXX ( when assessed ), due to the ongoing dispute. This is the reason why they did not include this in the payoff, although they could have. They intentionally did not include this amount in retaliation from the long standing dispute situation, as there is no other reason why they would not have included the entire balance to include any and all amounts due. The intentionally left this amount off, and then later notified the new lender that they did not send enough money to cover the balance. This was malicious and done in retaliation to jeopardize the new refinance offer out of spite for all of the continuous complaints I have filed. 

This is a violation of my rights as a consumer and is a willful and knowing inaccuracy from a malicious place to interrupt my refinance. American Honda Finance has engaged in a pattern of illegal reporting and billing actions throughout the course of my loan which have been retaliatory in nature. They are spiteful and do not follow the law. This is the worse company I have ever dealt with in my entire financial history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a Prepaid Card with Discover Card I closed the account last month & it is still going to take 2+ months to get my money back!! NOOOO!!! UNACCEPTABLE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2000.00}.

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 2021-01-12
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. XXXX is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.

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