BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have received several mailings from them stating I have been approved for lower interest from XXXX but when I try they keep telling me that I have inadequate income. Have not missed making a payment eve ( except for period when I was in bankruptcy ) almost always paying more than the monthly requirement. Not only have I called t hem but have sent them several written requests. They simply are not working with me. 

Loans are actually for all XXXX  of my children so is a Parent Student loan. 

I would like to get reduced interest so the loan can be paid off sooner. On fixed income so every bit reduced would be helpful. I don't expect any loan forgiveness knowing that I am responsible to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiry I didnt not apply for or authorized any credit card company access to my credit report Inquirer name XXXX Inquirer date XX/XX/2018

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 2020-04-27
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH assumed the mortgage servicing from XXXX OCWEN in XX/XX/XXXX. PHH indicated that my payment for XXXX was received one day late and charged a late fee. My bank indicated that PHH has rejected their payment and required it to be sent out by mail. PHH never waved flight fee despite the fact that there shouldve been some notification of change of servicingIn XX/XX/XXXX of XXXX I sold my property and pay off my mortgage the PHH has failed to remit the balance of the escrow account and every time that I either write them they say that they have a record of the loan number or if or online application I receive an email stating that they can not respond back to me because they do not have email listed in their accounts each time Ive tried to call them for the past two months I need to get a recording that says theyre unable to connect me to a representative or I get a recording that says hold for the next operator and then Im disconnected I want to both the payment of my escrow thats not have not having been disbursedTo be refunded and the satisfaction of mortgage to be executed by PHH Despite notifying PHH about a change of mailing address telephonically and in writing in XX/XX/XXXX plus XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX year end statements and bills continued to be sent to prior address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FREEDOM MORTGAGE I called to inquire about CARES ACT options because my salon was mandated to close by state. I spoke to someone about my options and did not hear the options offered in the CARES act. I did not agree to any options that where offered by Freedom Mortgage at that point the representative told me to call the FHA. I called the FHA and they are looking into servicers that arent offering options. I have not made any changes to my loan payments because of COVID i have NO plans of agreeing to change to Freedoms Forbearance. I was never contacted by XXXX teller number XXXX.I will be contacting RESP as well as making a complaint to sml.texas.gov. I was also informed in paperwork that let me know i was illegally put on a program i did not agree to that my credit will be impacted.I have Never signed documentation Never verbally agreed to a Forbearance Plan Terms. I make my payments online and now am locked out of my account to my payments and a message says contact loss mitigation. I need this rectified immediately. It was fraud to put me on this plan. I never sent documentation I asked questions and learned they where not following CARES. The FREEDOM MORTGAGE servicer said call FHA. This is fraud! I had questions now I'm recieving paperwork about a plan that I'm not agreeing to. 

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 2020-11-10
Company: DISCOVER BANK
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX, I applied for a Discover Personal Loan so I could transfer the balance of my high interest Discover Card. I've been a Discover Card holder for 5 years, and they've made thousands of dollars off my high 19.99 % interest rate on a balance that's ballooned to {$12000.00}. I was denied and told HIGH UTILIZATION ON BANK REVOLVING ACCOUNTS LOAN TERM DELINQUENCY HISTORY ON BUREAU REPORT My credit history spans 28 years, 5 months. I have no delinquencies on my credit report. 

I believe this is retaliatory in nature. Two weeks prior, I'd contacted Discover via their app to ask for a lower interest rate. My credit score was XXXX, and I have no delinquencies to any account in my name. I was instructed to check for any balance transfer offers. But again, I asked for a lower interest rate. I was asked WHY I wanted a lower interest rate? I said who wouldn't! I asked again for a lower interest rate. This time I was asked what my reasons were ... .was I experiencing financial or personal hardships?? I repeated that I was requesting a lower interest rate. Guess what the customer service representative replied? " Great question! Are you asking for a lower interest rate on your existing balance? ". I told her I'd been asking her for a lower interest rate for 15 minutes. I was then offered two rates, 16.99 % for 12 months on new purchases or 9.99 % for 6 months on new purchases. I told her I wasn't interested in either. 

Then she tells me ... .get this ... .that she thinks the 0.99 % interest repayment program sounded like an amazing offer. WHAT? I wasn't offered 0.99 %! At that point she apologized and said she'd been taking care of two customers at a time and that the offer of 0.99 % wasn't for me. 

OUCH. No late payments, high balance, and five year payment history with Discover ... ..28 year credit history overall. 

Two weeks later, I applied for a Discover Personal Loan to pay-off my HIGH-INTEREST Discover Credit Card debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On the last week of XX/XX/2020 I called a XXXX XXXX and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was infected with Covid 19 and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from Experian and it read that I received an negative mark on my credit report. I have tried multiple times calling XXXX XXXX to correct this mistake with no avail. All I asking for is XXXX XXXX to remove the negative remark on my credit report. 

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 2020-04-27
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:
On XX/XX/2020 XXXX XXXX completed an investigation into some fraudulent activity where someone other than myself opened a credit card in my name. The letter was sent to Transunion, XXXX  and XXXX. All three bureaus removed the actual account. XXXX  and XXXX  removed the inquiry but it still remains on my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.

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 2018-07-10
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2008 XXXX XXXX  court shows a balance of XXXX for a child restraint ticket. I contacted the court and was told this was paid in full XX/XX/2008. This report should show no balance and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.

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 2021-10-25
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 information incorrect

Complaint:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage application fell through because of this company 's negligence and incompetence. Their loan process, where multiple people sends and asks information online ( repetitive often times ), and ignore customer 's comments and questions. Few days to closing, this company stated their concern about the source of my funds and had to decline my application unless my wife is included in the loan. This is three days  before closing! The funds source was mentioned early on the application and I have been transparent with them and responds on time. If they actually paid attention to details and did their due diligence, it would not have reached this point. The customer is at the losing end and this company should be at fault and be held responsible. The manager and  the customer representative, XXXX XXXX and XXXX XXXX, were not as apologetic as they should be. 

I should have taken seriously the complaints against this company by numerous customers as seen in different review websites so I would have not been a victim myself. 

Consumers should be warned not to do business with this company and the government should also take a close look/investigate as to how this company do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: TX
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 disputed with a Experian on XX/XX/XXXX on XXXX XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is violations of FCRA and FDCPA and it needs to be deleted 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 2018-11-27
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them. I was cotacted by the bank I am not at fault for this money it wasrekeased with authorizatuon of bank itself. I had a branch manager whom contacted fraud dept. and was told ok to release funds, due to fact we were both told that funds were mine I was sure it was safe to take money, I would have never taken it and the fraud was perpatrated futher through the mail have documents to prove that the same person tried to continue to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020 I received a court order by mail from the State Court of XXXX County State Of Georgia. It stated no request for an oral hearing. I have not received anything other than this letter on this matter. The file number is XXXX Plaintiff name is Tidewater Finance Company. I was not given any fair hearing and no info to respond to until now. There is something seriously wrong if I am being sued and the judge agrees with the plaintiff without my knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2020-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
A check for {$3700.00} was mistakenly mailed to Fidelity Information Services by XXXX XXXX and cashed on XX/XX/2020. This check was intended for a balance transfer to an account with another lending company ( XXXX ), but was mistakenly sent to Fidelity Information Services at XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The check was cashed on XX/XX/2020. However, the account number on the check is associated with my account with XXXX and should not have been cashed. I have attempted to contact Fidelity Information Services about this several times, but the customer services representatives were unable to assist me, nor were they able to direct my call to anyone who would be able to assist me. I just need to confirm whether or not this check was cashed by Fidelity Information Services, and if it was, I need the money returned. I'm working with XXXX XXXX as well on a separate case with CFPB as well. I am including a copy of the check.

Company response to consumer: Closed with explanation