BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: SANTANDER HOLDINGS USA, 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: Account status incorrect

Complaint:
The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was Santander. It shows XXXX balance on my credit report with Santander but I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CBC Companies, 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: Old information reappears or never goes away

Complaint:
i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fcc, XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit report : 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 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 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 explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested Chase to remove private mortgage insurance ; they conducted an appraisal and determine my home 's value to be much lower than it actual is. There are properties in my neighborhood selling for {$310000.00} without a swimming pool. My house has a swimming pool and is identical to house in size and build date and Chase appraised my house for less than {$310000.00} because they do not want to remove the PMI. The county tax assessor 's office tax assessed my house at a higher price than the houses without swimming pools but Chase fails to acknowledge this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX I have my direct deposit going there from my job which every other payday there is a deduction from my money due to a overdraft protection fee whice I do not have overdraft protection I spoke with a manager there at the bank about my concerns of the matter of funds being deducted from account problem was fixed so I thought it happened again overdraft fee due to excepting payment to go thru from these companies and deducted from my account not reimbursed I called the fraud department and they canceled my card was supposed to receive another card never did I had to go into the bank I went to a auto store whice name I will not say I proceeded to purchase items with my debit card thinking my direct deposit money was in there from work which transaction was denied due to payment was not available the cashier tells me that I have XXXX $ in my account by looking at his screen then I asked him how do u know my balance is XXXX $ in my account he turns his computer around lets me see whice there was my personal information of my account exposed on the screen I said no way so I proceeded to pay cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When SPS responded to the last complaint I sent on the XXXX, they sent the same exact response as their response for the complaint on the XXXX. They did not explain why one of their representatives ( XXXX ) misinformed me about my right to have a forbearance. I understand why I couldnt get a forbearance in the past and dont need to see the same information over and over again. Just directly answer the questions I raise in my complaint. I have contacted an attorney and he told me that every American has the right to a forbearance no matter the delinquency. Also, SPS is telling people to call my house everyday telling me I have to move. Especially a woman named XXXX XXXX. I am going to complain to Washington XXXX directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Date XX/XX/2022 XXXX has committed Fraud Pursuant 15 USC 1681B, I never gave XXXX permissible purpose or any written letters or instructions to report any information on my Consumer 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Make sure any accounts that were XXXX in the XXXX  show a {$0.00} and are labeled as XXXX or included in XXXX  XXXX XXXX is no allowed!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of my XXXX  filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX  ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the XXXX ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on the phone with Navient today to get my payment plan resolved and spoke with two girls, one was XXXX and the other I dont recall her name. The only options they were giving me because Im out of work was interest only which I was ok with making one payment to become current but couldnt promise any near future payments because I am out of work. I want to be responsible and come up with a good resolution for my circumstances. When they teamseferred me to XXXX XXXX or XXXX not sure. She was so rude, unhelpful and mean. She pretty much accused me of still having work and that she cant grant me hardship because she believes I am still working. I was so offended by this treatment because she had no right telling me Im working when Im not. Im not currently working and would like some aid/help in my position. Im still in awe with her treatment of me and disrespect. I wouldnt wish that on my worst enemy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Mercedes Benz Financial Services
State: MA
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 am aware that during the COVID-19 Pandemic Congress passed a bill called the CARES ACT which allowed temporary relief to certain debt situations. Payments that were late during that time could be marked with a special code or marked as on time but not late. Prior to my late payments in XXXX and XXXX of XXXX and XXXX of XXXX all of my payments were made on time. After the late payment in XXXX of XXXX I continued to maintain an excellent payment history with your company. I will continue to maintain an excellent payment history and ask that the 3 late payments mentioned above be marked with a special code ( due to the COVID-19 Pandemic ) or as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I filed a CFPB Case : XXXX XXXX Capital One Case :  XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

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 2022-03-30
Company: Long & Foster Financial Services, Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
the appraisal for the home i bought on XX/XX/2021 had over XXXX incorrect entries. the appraiser inflated the value to match the loan and the mortgage company knew that. they with held the appraisal from me until less that 40 hours before closing so i would not have time to carefully look it over. they also charged me twice for the same fees. the home is structuraly not sound and they refused to look into it. due to this, i have lost my job, my credit is ruined and the home needs to be demolished. they have not looked into this and have offered no help in any way. the mortgage company also made my income appear to be more than what I reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My problem is with Mohela. My PSLF application has been in limbo since XX/XX/2022 ( and they keep saying 90 days processing ). The problem is that now my application says it was 'Cancelled for Duplication. ' I called and while they are nice, their explanation really did not make sense. They say not to worry about what the website says ( um, how can we not worry? ) and that the fault lies with the XXXX. XXXX  XXXX for not sending them anything. This is demonstrably NOT true. XXXX says talk to Mohela. XXXX says talk to Mohela. The other agencies say everything is with Mohela. This is incredibly stressful. I've been working in a public XXXX XXXX for XXXX  years. Furthermore, people who applied months after me are getting forgiveness, whereas I can't even see a payment tracker. I don't know what to do anymore. Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Credit Reporting has label my account with XXXX XXXX as Potential Negative less than 2 payments back on XX/XX/2022. My account is due on the XXXX every month and if my bill is due on the XXXX and not paid by the XXXX than its only 4 days late. There seems to a problem reporting negative on credit reports way before 30 days. This account has never been past 30 days late and now my credit score has dropped for being a few days late not 30 days. I just feel credit accounts should be reported after being 30 days late not 3 or 5 days late. I really cant afford for something so mistaken, like this to happen. I am trying so hard to build back my credit score to move again someday. Thank you for your understanding, and your help with this situation.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-09-17
Company: Atlanticus Services Corporation
State: GA
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:
The company is Fortiva Credit card company. My monthly payment increased by nearly {$20.00}. I contacted the company, they said it is because I have been with them for 1 year, I have to pay XXXX maintenance fee, and outrageous interest. I also paid a XXXX annual fee. Asked to have it removed I was told it is part of their fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation