BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: Experian Information Solutions 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:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX/XXXX XXXX XXXX XX/XX/2018<br> <br> XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018<br><br> XXXX XXXX XXXX XXXX XX/XX/XXXX <br><br>XXXX XXXX XX/XX/2018 <br><br>These inquiries need to be deleted from my credit reports as soon as possible

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 2018-11-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to 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 requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.

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 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!

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 2019-02-26
Company: EQUIFAX, 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 examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: USCB, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt attempted to be collected and affecting my credit is for a bill due to an ambulance service being used. At the time I was picked up by the ambulance I had and still have XXXX coverage. I attempted several times to contact the collection company and they refused to allow me to provide documentation proving XXXX coverage at the time of service provided or assist in getting it paid by my XXXX Were extremely rude and I felt they did not do anything but try to bully me into paying it. I've disputed multiple times and they refuse to remove from my credit. I should not be responsible for a bill/charges that were incorrectly billed by the hospital, when I had valid medicaid coverage that would have paid the bill at the time services were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reopen XXXX. Chase has not released any funds based on past written correspondence. Chase is in violation of DEED OF TRUST. Chase has provided zero guidance as to the terms of how the funds to make repair are to be released as requested by 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking 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 2017-12-09
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our previous mortgage we refinanced in XX/XX/XXXX was serviced by Lakeview/XXXX. We had our property taxes escrowed with this mortgage and everything was fine for years. When the new loan began with Lakeview I tried to get property taxes escrowed again and its been a nightmare. They already had our county property tax details from our previous mortgage but still required me to send in current tax bill which I have done twice, have escalated the call to a supervisor named XXXX XXXX who now refuses to provide any updates or contact me back through phone or email. I received a letter from Lakeview which indicates an incorrect amount I am to be charged affective XX/XX/XXXX for my mortgage and XXXX confirmed it was inaccurate and would call me back - never heard from him again and this new mortgage amount is supposed to be active XX/XX/XXXX. They indicated in the letter that my monthly mortgage payment was going to be equal to the half yearly amount we owe for property tax I have been working on this issue since XX/XX/XXXX and I am not receiving anything close to normal customer service from this company and would like to see if you can assist? Please advise what other information I can submit. XXXX XXXX mobile 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 2018-08-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a {$100.00} prepaid card that is issued by US Bank ( card # : XXXX ). This card has a inactivity fee of {$2.00} per month. 

I had tried to use it on and off several times ( few times online, few times in store as a debit card ). I tried to use it as recently as XX/XX/XXXX and it was declined and another inactivity fee was charged on XX/XX/XXXX. Finally, I was able to use it. However, there was a {$16.00} fee charged so far. 

I was under the impression that if I tried to use the card and it did not go through, I would not be charged a inactivity fee because it was not my fault that the transaction could not go through. However, I have been charged {$16.00} in fee. I tried to contact their customer service in order to get the fee waived, but they would not agree to it.

I believe it is not fair to charge fee for inactivity when I tried to use the card and was under tthe impression that it would have considered active if I tried to use irrespective of whether the transaction was successful or not.

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 monetary relief
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2016-08-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..

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 2016-05-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on XX/XX/2016. ( letters attached ). 
Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like to me, the nightmare have just begun. please 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 explanation
Consumer complaint received 2019-02-26
Company: CL Holdings LLC
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 status incorrect

Complaint:
XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
People 's United Bank purchased my mortgage from the originator and began servicing my loan. When I contacted People 's to create an online banking profile to make payments, I was unable to do so until after my first payment because of the process to create an account online. I again had to call when creating the online profile because the information for creating the account was neither helpful nor intuitive. When I created the account they had my phone number listed incorrectly as my employer 's HR line so I removed the phone number and attempted to correct the phone number but was not allowed to do so online. When I called to change my phone number, the representative told me that I could not change my phone number with them on the phone or through the website and would need to print and mail a form. Furthermore, I was told that I could not make payments to my loan through the online portal unless I had a checking account with them, and that there was no way to make recurring electronic payments. The process of having an online account was a pointless runaround and my servicer will not allow for recurring electronic payments, which is not only extremely inconvenient but increases the risk that payments will not be made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I missed a payment on XX/XX/XXXX, by XX/XX/XXXX, I received a letter stating Synchrony Bank ( Wal-Mart ) had decreased my credit line by XXXX dollars. My balance was XXXX with an initial credit line of XXXX. By them making this drastic decision based off one late payment, my credit score has decreased. Now I have a balance of almost the entire new lower limit. I have never heard of a credit card company taking such an action. I began with this card, having a XXXX limit and was increased without soliciting them to do so. I would like my limit raised back to XXXX. I have been a good customer with Synchrony Bank. They made such a brash decision in 5 days from my payment being late! They also have terrible customer service. After the payment was late I called the customer service number to set up a payment. They never took the payment from my bank account and immediately assessed another late fee. I am very disappointed in this company. There are many, many complaints on the XXXX site although they are still rated A+ which is almost impossible given the thousands of complaints.

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 2017-02-09
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector was very rude while I was trying to explain to her that the debt was paid. She gave me their email, I had to ask several times for her to repeat the email because I could n't understand her and she then yelled at me saying " mam listen! '' and hung up on me. About XXXX minutes later she called back to tell me they had given me the wrong email and were rude for the duration of this conversation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage charges me {$160.00}. to make payment, and {$30.00} for each question i have. 
I believe it wrong, they need to stop it.

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 2018-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My ex husband had me listed as a secondary user on his credit card with USAA. I did not give permission to be added to this card. He maxed out the card and did not pay it for several years. In our divorce the court awarded the USAA debt to my ex husband and he was made responsible to pay. But the lack of payments were reported as severe and have negatively affected my credit even though I had no knowledge or consent to be added to the card. USAA has refused to remove my name as a secondary user even though my ex husband has agree to pay the debt. He had my name associated with several other credit cards and I was able to resolve the debts with them but not with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation