BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Flagstar Bank, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.

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 2022-12-08
Company: EQUIFAX, INC.
State: PA
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:
I've mailed several letters out to Equifax regarding inaccurate items on my credit report that they are reporting and I received a letter in the mail from Equifax stating that they received my request regarding my credit file but they are unable to locate a credit file for me. I have several accounts open and reporting on my Equifax credit file along with the inaccurate accounts they are reporting so I find it strange that they can't seem to locate a credit file for me as if I don't exist. I called Equifax and spoke with XXXX different representatives that both were able to pull up a credit file for me and also they both said that they didn't receive any letters from me which again is strange because if they didn't receive anything from me then why am I getting a letter from them about my recent request. Equifax has had me going in circles for months and no one at the company has offered me a resolution to solve this issue I'm having. I was told to fax the letters with my identification although I've already mailed letters certified. The representative I spoke with said its a big company and things get lost ; However it is no fault of mine and she also said she doesn't feel comfortable filing a dispute over the phone with me because they have an address on file for me from my home in California and since im not currently at home right now she can not file a dispute because my mail would go there. This makes no sense to me whatsoever and this huge mistake they are making has already cost me over {$250000.00} that I can not recuperate! According to the 15 U.S.C Sec. 1681i ( a ) if they can't provide proof, these accounts must be deleted. They have had XXXX days to complete the investigation and failed to do so on their end. The accounts I asked them to investigate are XXXX XXXX # XXXX, XXXX # XXXX, and XXXX XXXX XXXX. 
15U.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 explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2023-03-21
Company: Hatfield, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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. 

XXXX XXXX stated that they didnt put this on my credit file or reported it to the credit bureau but a huge outstanding balance thats totally incorrect is on my credit report grid put this on my credit report and they stated they didnt bring me to credit over this I wouldnt call the police on on my own brother over the improper use of credit or ask for a report we talked things over this needs to be done and over with and removed off my credit if this wasnt on my credit then this dispute would be non existent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MN
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 complaint is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. Please provide me with all verifiable proof. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of ID Theft and elderly financial abuse. 

XXXXXXXX XXXX had done an excellent job of restoring my accounts, minus various debits and attempts to send money to a " XXXX XXXX. '' However, Discover card has not provided a Conditional Credit or permanent reversal for a charge unauthorized to XXXX XXXX in New York, for {$3900.00} on XX/XX/XXXX. After a month and hours on the phone talking and transferring to several agents, payment is coming due. When I checked on line on Disputes, I get " You have no active dispute on file. '' Address is : Discover Financial Services, XXXX XXXX XXXX. XXXX XXXX XXXX. Utah XXXX. 

Please help before my perfect payment record is impacted. 

XXXX XXXX XXXX XXXX XXXX. 
Ca. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-03-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having problems convincing SLS Loan servicing Co. that i am no longer responsible for my loan since 2016, when a shady 2nd mortgage company purchased my 2nd from a bankrupt loan company and lay stealth without me being able to Negotiate or Communicate with them,, They inflated the loan amount and fees from XXXX to XXXX pay off,, then they wanted me to pay a unreasonable amount to reaffirm my loan to get it currant status ... in which they foreclosed on me,, a trust deed sale to posses the home, The kicked me out, XXXX Then on top of that they never paid the first which was SLS,, And the 2nd mortgageCo. XXXX XXXX.. Then pay my payments late every other month 18 times since 2016, They never Contact SLS,, I sent numerous Times To SLS all the Court /auction paperwork, And SLS   KEEPS ON PUTTING Derogatory s on my credit Reports,, For Years, Help me ... Please.. Thank You 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 2023-09-27
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing fraudulent debt collection that is being furnished on my personal consumer report. Debt recovery solutions is claiming I owe them for a debt but they can not validate any of the debt. I have reached out to them multiple times requesting that they send me any and all supporting documents regarding this alleged debt that I, XXXX XXXX have with their company directly. I have never done any business with them or signed any legally binding contracts with them. I am reporting them for fraud since they are trying to get money out of me that is not owed and they are damaging my credit scores and report which has kept me from getting a job and new apartment due to their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: VT
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:
Experian has an account identified as a XXXX XXXX which should be eliminated from my credit report. In XXXX I had a dispute for faulty installed equipment with XXXX XXXX provider which was taken to a hearing at the XXXX ; The matter was unresolved and I entered an appeal which was not ever responded to. While I wrote to the company and received calls multiple times this unresolved account should have been removed from my records after XXXX years. Consequently, in XXXX XXXX was bought by XXXX. They were informed by letters of the situation as well. After moving out of State in XXXX I have destroyed all the paperwork. At Experian I discovered that XXXX years after the initial dispute XXXX made a {$16.00} transaction activity on this account and registered it as a XXXX. When I filed a complaint with Experian, the representative states this can not be removed until XXXX which is totally inappropriate. XXXX 's action is devious and violates my consumer protection rights ; in Massachusetts the law protection is for XXXX years, in the country it is supposed to protect for XXXX years. This is now XXXX years I have had to debate the issues, that have been, and are still being ignored.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Fraudulent activity reporting misleading information. Daily reporting is extremely misleading

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 2018-12-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/XXXX. Part of my loan agreement was that if I made all my payments on time I would have {$1000.00} credited to my PRINCIPAL balance for the first 5 years of my loan. I made all my payments EVERYONE on time. I received the first credit. My loan was sold to Nationstar Mortgage in XX/XX/XXXX. Nationstar reported to the credit bureau that I was paying late which was not true they ruined my credit and I could never get that removed or fix that error to my credit. I started contacting the mortgage company which is now called Mr. Cooper in XX/XX/XXXX regarding the error in reporting and the {$1000.00} credit due toward my PRINCIPAL balance. I have been trying to get Mr Cooper to  credit the additional {$4000.00} to my PRINCIPAL balance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and the additional {$1000.00} credit due to my account if I met the terms for the first 5 credits which I never  received. I have spoken with more than 200+ people at Nationstar and Mr Cooper in the last 6 YEARS. On XX/XX/XXXX I received a letter from XXXX XXXX stating they credited the credits due from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX. They also sent me a DODD Frank Form to fill out for the additional 6th credit. I returned the DODD Frank form on XX/XX/XXXX. I called XXXX XXXX at least 5 times to have the credits from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX applied correctly as they were not credited correctly and I have and am still paying interest on the amounts. Which should have reduced my principal balance in those years. As of today XX/XX/XXXX I have not heard back from XXXX XXXX at all and I have not received the credit due from the Dodd Frank form dated XX/XX/XXXX. 
Mr Cooper had no problem raising my interest rate per the modification on time not ONE day delay but they still refuse to give me the credits I deserve and are trying to make me pay interest on a balance that should have been reduced starting in XX/XX/XXXX. It is going on 7 YEARS that I have been trying to get this resolved. 7 YEARS!!!!!!!!! I am still due the final credit and an adjustment to my payments from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-01-06
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: Personal information incorrect

Complaint:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to 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 explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have communicated on several instances with the Equifax bureau. I have sent disputes on two different occasions. These are the confirmation numbers that I received once my documents were received. Confirmation : XXXX, XXXX, XXXX, XXXXXXXX XX/XX/XXXX-XX/XX/XXXX These are to remove addresses and credit inquiries. 

I was asked to call the companies that placed these inquiries on my report and I refused to because that is not what I am suppose to but I did this last time. I was told by the representative from XXXX that the Bureau is suppose to investigate and remove if they cant verify the inquiry. She looked in her data base and found nothing, which was strange because I am asking her something that I did not do. 

I spoke with regular employees and a supervisor of the fraud department [ 3 to 5 times ] and they all take me through their security screen. I have gotten through most times but for some reason my answers were not sufficient with their supervisor on my last attempt. 

I feel I have done everything the right way and they have not. As I have told them and will continue to say, those are mot my inquiries and I want them removed from my report completely. I sent in a police report which they requested as well. 

As a consumer, I feel as though this credit bureau is treating me unfairly and damaging myself on a personal level. If I apply for a product and my Equifax report is pulled my I will not be represented accurately. 

Please assist me with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Synchrony Bank. I have three store cards that process through Synchrony. There is also a Synchrony app, where you are supposed to be able to make payments. I only have a balance due on a Care Credit card. To use the app, you have to enter your Synchrony account number. This is a problem, since I NEVER RECEIVED A SYNCHRONY card. I don't know if it was lost in the mail, mis-delivered, or something else. Any email corresponcence they send, has only the last 4 digits of the account number. Trying to get past their XXXX  digital assistant is nearly impossible. This means the only way I can make a monthly payment, is to get on with somebody, via chat. It takes forever to accomplish this. All I need is for them to send me a duplicate Sychrony card, and I think I'm good. But, YOU CAN NOT get to a human when calling their number. Look at theri XXXX account and you can see, I am one of hundreds with similar issues.

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 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They put my funds on hold and told me there was no reason it should be on hold after sending documentation & that it would be removed in 3-5 business days its been 2 months this is absolutely wrong then to have no explanation and still have my funds on hold I will never use capital one again after this & I will make sure I let people know what had happened to me. This should be against the law I will get a lawyer next if I have to

Company response to consumer: Closed with explanation