BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: UNITED SECURITY FINANCIAL
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I refinanced my home in XXXX. I am married but my husband was not going to be on the loan due to his poor credit. I had credit score and income on my own to qualify for loan. Because I live in California the lender included all my husbands old debts ( collection acts and write offs ) against me and told me if I wanted to refinance with them I had to take out an additional XXXX to pay off his old debts. Mind you these debts were past the point where he could be sued for them. So reluctantly I complied because rates were rising. After all loan docs were signed they sent us checks to pay all the debts. We sent out the checks to the debtors we could find. One actually came back to us because the debt was so old it is no longer with the collection agency. 
I reached out after a year in XX/XX/2023 and spoke to XXXX XXXX at United Security Financial Corp. She called me and stated she would get this settled and the funds would be coming back me. I explained these debts are old .Then she in they sent us more checks to mail out. We have paid off all the debtors we can find, these debts are so old my husband does not even get any type of mail correspondence on them.Right now we have over XXXX dollars in our escrow acct at Elevated Title. I just want my money that I have been paying on for 18 months. I reached out again via email to the title co and the lender on XXXX XXXX and have not heard from either. I need help to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, 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:
I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: WI
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: Synovus Bank
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/2020 I called In to first progress credit and was trying to pay my bill the one woman was very rude I hung up on her. The next person to help me was fine I paid my bill, got charged the fee again for doing so and continued my day. I believe that the woman was angry after speaking with me and without consent closed my account that was only open for 2 months. After. Any calls I was told this was a mistake and that it would definitely not show up on my credit report as they report the XXXX. I was promised over and over that the account closure was a mistake and it would be reversed in 48 to 72 hours. This company is very very shady and that should not be in business. I have made hundreds of payments on time and have had no issues with any company except them. This company has single handledy in 2 months dropped my credit score from XXXX to XXXX in a matter of 2 months and it is wrong I've do e all I can to reach out but they are bullying me and effecting my life over a simple XXXX dollar prepaid card. On top of the fact that I believe they have sold my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sending the matter to smalls claims, the affidavit needs LVNV or Resurgent Capital registered agent information to send them documentation from a constable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently ( XX/XX/2021 ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$87.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- XXXX mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Credit Plus Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have three unauthorized hard inquiries on my credit reports XXXX, XXXX, and XXXX. I never gave this company permission to check my credit and when I contacted them they ignored my request. I requested to have the inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I received a notification from XXXX that my credit rating took a dip a rather big debt because it was reported I had not paid my mortgage. The email I got from XXXX stated that this was posted in TransUnion. I contacted TransUnion. They told me my mortgage lender XXXX XXXX   notified them delinquent on the payment. I contacted XXXX XXXX. They sent me copies of everything they sent to all of the reporting agencies.. It never showed me is being delinquent on a payment. Trans Union has informed me that I should Contact XXXX XXXX  again. With Trans Union has failed to note was that my bank reported to Trans Union in XXXX that the mortgage was paid. Your Trans Union went public in early XXXX that I was delinquent. XXXX XXXX  they never sent anything in late XXXX or early XXXX to any other reporting agencies. Only Trans Union has reported me delinquent. The bank reports to all for reporting agencies at the exact Same time with the same report. I will ask again for proof from TransUnion that they actually receive something from XXXX XXXX. They have never responded to my request for proof that they receive something from 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 2023-10-11
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: IL
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$7.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-07-08
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
For over a month Ive been trying to get my pay off mortgage amount from Freedom mortgage company. We sent total of four requests and every single one has been ignored. Today is XX/XX/20 I spoke on the phone with XXXX # XXXX, and she told me I can get it 3-5 business days ( Which they promised before, and ignored my requests ). And my closing is on XX/XX/20, I asked you o speak to supervisor and XXXX told me 24-48 hours a supervisor will call me back. Can you please help me get the pay off quote for my mortgage asap because these people are obviously corrupt. My loan number is XXXX at freedom mortgage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI 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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got a letter from capital one stating they were sending my account to collections. With this particular card Ive never received statements of any kind from capital one and I checked my credit report and seen someone opened it without my consent or knowledge. Contacted capital one and they are doing an investigation and I filed a police report as well. I disputed this also on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with Consumer Financial Protection Bureau on XX/XX/2021. I gave as much information as i could in the complaint and requested Chase Bank to call me to discuss the details. I couldn't enter over 8 hours of phone calls, almost 20 people, multiple people in " management, supervisor and Executive '' level but no help. So i filed the complaint. As promised the CFPB sent the complaint to JP Morgan Chase Executive dept and they did indeed respond by phone within 5 days. However i was in XXXX on vacation and asked XXXX at XXXX Ext XXXX to call me the following Monday, XX/XX/XXXX to discuss the details. I informed him that it was so messed up and so many problems that i didn't want to ruin my vacation discussing the disregard JP Morgan Chase has for it's customers. I asked that he look into the details and we would discuss them. XX/XX/XXXX came and went and no call. I called and left 3 voice mails over the next 2 days and confirmed he was in the office but he decided not to respond. So he did no uphold our agreement for a resolution. I then got an email from CFPB stating that my original complaint was closed since JP Morgan Chase responded. That response had NOTHING to do with my complaint. Just because they replay to an irrelevant point, that does not close the complaint, but to JPMC it did. So now i'm forced to start all over with yet another complaint in combination with the original that i did NOT receive an adequate response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first contacted on XX/XX/XXXX by phone from ARA,  XXXX XXXX XXXX, XXXX XXXX, Collection Manager. XXXX. He stated that I owed {$26000.00} currently. It had started as a credit card debt but could not tell me what card or bank the debt had originated with. He said that the last payment on record from me was XXXX and the debt at that time was {$9500.00}. 

XXXX said that they tried to mail me letters at an old address that was my father 's old business. At the time of this call I had not received anything at my home of 11 years. XXXX was able to list my Social Security number, address, phone number and current credit cards and said that they are now pursuing me because I now have good credit and they can go after me now that I have a house and credit cards. They offered me a settlement of {$4200.00}, broken down into 3 payments with a down payment of {$420.00}. 
When I said I don't have that kind of money and my kids are on free and reduced lunch at school, government health care and my wife doesn't work he placed me on hold and went to his " clients and manager '' and offered me option # 2- {$3500.00} in 2 payments or option # 3- {$2900.00} one lump sum. {$290.00} down on XX/XX/XXXX and {$2600.00} by XX/XX/XXXX. He said if I refused to pay that I was in big trouble and they would have to take legal action. I was scared they would hurt my credit or my wife 's if I did not agree to pay them something that I knew I could not afford. He told me to put it on my Debit card so I agreed knowing I did not have the money. I cancelled my card that night. He called my work on XX/XX/XXXX and my Father on XX/XX/XXXX in addition to repeated calls to my cell phone. All messages I kept and have recordings of the threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Equifax got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Equifax is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: TX
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 already reached out to Experian and to XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on 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 2020-05-30
Company: U.S. BANCORP
State: UT
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:
US bank has failed to provide any assistance to waiving interest due to job loss due to covid-19 or waiver of payments. They expected me to pay a minimum payment of {$780.00} in XXXX and I filed a complaint with the XXXX  as other credit lenders has resources for those who have lost their jobs due to covid-19. US Bank has also failed to honor the Cares act by reporting inaccurate information on my credit reports. Inaccurate balances and inaccurate payments owed that do not reflect covid-19 assistance. Additionally I would like the fees for the checking account removed as a courtesy as I havent been working and would like the checking account closed.

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