BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NJ
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. My XXXXXXXX XXXX loan ID is XXXX. 

Since XX/XX/XXXX I have been having ongoing issues with my XXXXXXXX XXXX account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. 

After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), XXXXXXXX XXXX reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by XXXX agents that XXXXXXXX XXXX would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. 

On XX/XX/XXXX I spoke to XXXX agents at XXXXXXXX XXXX XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. 

On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. 

Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 

Sincerely, 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 2017-05-16
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted 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 2023-12-22
Company: City First Mortgage Services, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I hired XXXX XXXX to be my loan officer for my home purchase. She completely dropped the ball on getting my loan done on time. She did not communicate. She did not answer the phone. She did not respond to texts or emails. She did not request documents that were needed in a timely manner which resulted in my loan not being done by the end of escrow. She had 45 days to get my loan done and she waited until the last week before closing. She also failed to provide me documents needed to apply for a grant that was communicated at the beginning of the process which resulted in my cash to close increasing XXXX. After many many failed attempts by all parties involved to get in contact with her, constant excuses of why things werent getting done, the sellers got irritated at her lack of communication which resulted in them not approving an extension and me losing the house and all the earnest money and other costs because of XXXX XXXX failing to do her job.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft. XXXX XXXX, XXXX XXXX Bank, and So XXXX XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.

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 2022-04-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccurate information with Experian via mail for months. I've sent via priority mail, next day air, and regular mail. The exact same disputes total over 6 times sent. They have only sent me auto generated messages via E-Oscar and have not truly taken a look at my letters. I've sent all relevant information needed to receive a thorough investigation which they have failed to do. If the information in question is not immediately removed from my reports I will pursue litigation.

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 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is $ XXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent
Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 2022-04-28
Company: EQUIFAX, INC.
State: MO
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: MN
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 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Dear Consumer Financial Bureau, I am writing to you to express my frustration and disappointment with Discover Bank 's handling of my previous complaint number XXXX. In that complaint, I reported that a credit card was fraudulently opened in my name, XXXX XXXX, and was not received by me, but instead by a person named XXXX who lived in my apartment building. Despite Discover Bank acknowledging that this credit card was not opened by me, they are refusing to remove it from my credit report unless it is paid by me, even though it was not mine in the first place. 

I find this to be a blatant injustice and an unfair practice. I have provided all necessary legal documents and evidence to prove that this credit card was not mine, yet Discover Bank is still refusing to take any action to correct this mistake. This has caused me great distress and has had a significant impact on my credit score.

I am asking the Consumer Financial Bureau to intervene and take action on this matter. I believe that Discover Bank is engaging in unfair and deceptive practices by holding me responsible for a credit card that was opened fraudulently and not by me. I request that the CFB investigates this matter thoroughly and takes appropriate action to ensure that Discover Bank corrects this mistake and removes this credit card from my credit report. 

I look forward to hearing back from you on this matter and appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX   in  XXXX , GA located at  XXXX   XXXX   XXXX   XXXX , GA  XXXX  placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in  XXXX  of  2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to   XXXX   XXXX   numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help me.

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 2022-04-28
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:
This company is in violation Under 15 U.S. Code 1681s2 The Following inquiries i did not authorize XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX  + Bank ( 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 2023-05-12
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After receiving the letter of validation from Exeter Finance dept. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: World Acceptance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to dispute world finance every since I've seen it on my credit report I did not open a pay day loan from them my actual loan is from security XXXX XXXX which who is no longer in business in the state of Illinois do to the law the state governor pass in XXXX which was supposed to reduce high interest rates and fees I have pretty much paid off this loan during there closing they sent out letter 's saying that they are no longer in business can't take payments so I look up World Finance sent me a letter saying I opened an account with them which is actually XXXX XXXX XXXX XXXX account that they sold to them and no they're forcing me to pay them and they have tremendously hurt my credit score I did not open no loan with them period world finance I have tried to upload the letter 's saying that they are no longer in business and it keeps coming back that I owe world finance and I opened a secure loan with them and I'm pass due 30 days if you notice I pay my bills on time I have some debt but needless to say that they're hurting my credit score with sending my stuff over to World Finance I did not go anywhere finance and apply for a loan I did not find any paperwork for World Finance anything in that nature my loan came from XXXX XXXX XXXX  which is known as if XXXX and they are no longer in business so I am trying to figure out how can they damage my credit like they are and the laws has changed the loan is paid for basically I got this long almost 18 months ago I paid {$150.00} a month all the way up until XXXX and I started this this loan in XX/XX/XXXX XXXX of XXXX governor XXXX XXXX pass the law for these loan companies which force alot out of business due to extreme high interest rates and over charging minorities and low income people with low credit score high interest that was told to be corrected and has to stop now I'm being put in a situation where they is affecting me and my lively hood I am going to reach out as well to the governor of Illinois regarding this matter and I need someone to look further into this because it's wrong and it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had been in mediation w ith Ocwen for 6 months. Ocwen reque sted a ridiculous amount of updated pay, rent, and income. they even requested a mediation postponement because " they needed more time to make a decision ''. On  XXXX  Ocwen denied the loan 1 day before mediation. The denial did not state income used, why she was denied,  XXXX . Nothing, it simply stated denied and to sell her home. When we attended mediation on  XXXX   Ocwen stated " Income was NEVER used in making the decision. We denied a modification because we could not lower her payment ''. Ocwen  literally is foreclosing on someone that only owes  XXXX  on her entire home. She had a hardship, and can now make payments and  Ocwen  will not work with her. They are simply denying her any option of home retention. They delayed this whole process for no reason when they stated they never even considered her income. By intentionally delaying  XXXX   XXXX , she made not be eligible for Rescue Funds. This is an elderly woman trying to save her home.

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 2018-10-29
Company: Experian Information Solutions Inc.
State: KY
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:
On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX  & XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX  has done as well as Experian and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with Experian XX/XX/XXXX pending investigation.

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