BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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: Public record information inaccurate

Complaint:
XXXX and Equifax show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Northeast Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from a company called Nationwide Recovery System regarding some person name XXXX. I've told several people from this same agency that they have the wrong number and they will not stop calling my on my personal cell phone. I do not know a person named XXXX and my cell phone is in my name XXXX XXXX and have had the same phone number for years. They call me at least once or twice a day from the same XXXX number and will not stop calling even after explaining this is the wrong number. I've received calls on my phone from other numbers as well from the same company XXXX NRS. This company will not stop calling me and I have perfect credit don't own anything to anyone.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-06
Company: Performance Settlement, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Avadyne Health Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive reached to this company regarding my insurance company paying off this debt. Ive facts them all the information they need to contact the insurance company or reached out to me and they didnt.. Ive called XXXX XXXX XXXX and they didnt have a answer for why they didnt contact the insurance company before sending my name to collections and they didnt have an answer also.. theyre not taking accountability for not talking to insurance company who assured me my bills were paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: WI
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:
Showing old accounts over 7-10 yrs closed and XXXXredit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non 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 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had to payments deposited into my Bank of America mortgage escrow account. The amounts are as following : {$52000.00} and XXXX. Bank of America employees told me that since there is a credit/overage that I would receive the funds. I still haven't received the funds.

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 2019-11-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX services continues to furnish information on credit file. Requested validation of signature and contest to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EAST WEST BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
. I recently applied for a no cash out refi owner XXXX with a LTV of 15 % and XXXX XXXX. 
First they send docs for their portfolio program which was not the product I requested. I wanted a fnma 30 year fixed. I am self employed with rentals. My income was MORE than sufficient to support the payment. I would be lowering my payment form {$1600.00} to $ XXXX monthly. I provide more than enough information to qualify. I was actually prequalified by their rep. The underwriting is terrible they do NOT know XXXX XXXX guidelines. The do NOT ask questions if they don't understand something in your file. They are DISCRIMINATORY towards XXXX-XXXX clients. They sent me a denial letter based off an assumption without bothering to ask for for a letter of explanation. The denial letter did not provide the explanation that they provided to my rep. The denial letter was vague. I NEVER received a list of conditions had I done so the issue could have been resolved. The underwriter was wrong in restarts to my ownership of a rental property because she did not understand what a trustees is or various titles in which real estate can be held. Had they asked they would have seen the underwriter was totally incorrect. You do NOT make decisions on a borrowers loan based income off what you think you ask questions. When I offered to correct the underwriter I was told my rate expired and I would need to reapply at the higher rate or apply for their portfolio loan. XXXX their portfolio loan with the higher rate. That's what they were pushing me towards from the beginning.Why would I do that with more than sufficient income and excellent credit and a {$160000.00} loan on a {$620000.00} home. I also have more than enough reserves in my bank accounts.

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: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that is attempting to collect from me is Caine & Weiner. After inputting their information into the Department of Licensing and Regulatory Affairs I was informed that the company is not licensed to collect debt in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied to have my my mortgage modified in XX/XX/2019. I have sent all my documentation, tax returns, bank statements, P & Ls, deeds, leases, and more and still do not have an answer on the modification 8 months later. 

I feel the ACT the president approved was to give us the ability to modify our loans to make them more affordable, but Select Portfolio Servicing isn't affording me that right. They have every single document they need, and they just keep requesting updated documents because another month has passed prior to them getting around to looking at the docs I send. It is a never ending hamster wheel and I feel I am getting the run around, and that they have no interest in helping me. 

They call me and ask the very same question month after month, and I ask continually if i can speak with the underwriter to ensure they understand what they are needing clarification on constantly, and I am denied every time. 

I feel there should be a time frame that my request should be handled in to ensure timely processing, but over 8 months later and I am no closer to a modification than when I started. They do not care that it has been so long. I have asked that it be escalated to someone to roll up their sleeves and help me and put an end to my misery but they don't offer that type of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found the goods I was looking for in XXXX XXXX, me and the seller ( scammer ) texted each other about the item in question and the payment needed, he said he only accepted XXXX. I transferred XXXX dollars to his XXXX account. And after I messaged him that the payment has been sent, he blocked me off of XXXX without notice. The scammer 's name is XXXX XXXX. And he's got an accomplice. The banks involved are Bank of America ( my bank ), and XXXX XXXX the scammer 's bank ). I've already called BofA about the XXXX transaction and the best they could do is submit a claim.

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 2018-02-06
Company: DISCOVER BANK
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Prosper Marketplace, Inc.
State: IL
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 XXXX. XXXX, 2020, PROSPER/XXXX  add a hard inquiry on my credit report per 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 2019-11-13
Company: Experian Information Solutions 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:
I recently noticed on my Experian Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX  XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx

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 2021-11-02
Company: EQUIFAX, INC.
State: WI
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've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Account status incorrect

Complaint:
I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please

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 2021-01-28
Company: Bread Financial Holdings, Inc.
State: DC
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:
I was late my a day making my payment in XX/XX/2020 XXXX the payment was due XXXX XXXX, I paid my balance in full on XXXX XXXX ). Consequently, Comenity assessed me a late fee. I called on XXXX XXXX and spoke with a representative to ask them to waive the late fee. The representative stated that they could reduce, but not completely waive, the late fee, and that my new amount due would be {$15.00} ; I paid {$15.00} that day. However, Comenity never reduced the fee as the representative had stated, and has continued to charge late fees every subsequent month, as well as interest charges on the late fee balance, which together now total {$170.00}. I sent Comenity a message through their secure message center on XX/XX/2020, indicating the error. Comenity replied on XXXX XXXX that they were not responsible and would not resolve the problem. On XXXX XXXX, I filed disputes with the three credit bureaus. Comenity called me on XXXX XXXX and I again indicated that all the fees and interest charges were the result of their error ; they again indicated that they would not resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WF/ XXXX  is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2014

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 2018-09-19
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got sick in XXXX, since then I've had XXXX XXXX  XXXX XXXX, XXXX XXXX   and countless XXXX XXXX and XXXX XXXX which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my XXXX or XXXX. I called capitol one and explained this to them after my XXXX XXXX, they told me to send in my proof of XXXX I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one  of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX and transunion reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

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 2021-11-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This card is incorrectly labelled as a credit card. It should be labelled as a retail store card because it can only be used at Target ( it is not a Visa/MasterCard to be used anywhere ). Certain banks, such as XXXX, make credit decisions based on the number of credit cards open recently, but exclude store cards.

Company response to consumer: Closed with explanation