BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: Assent Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: MO
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:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification 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 2018-06-16
Company: EQUIFAX, INC.
State: MO
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:
In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I are in the process of refinancing a home loan with US Bank. I first become suspicious of their practices because of the length of time it is taking to approve. All paperwork is in and our credit is excellent so I wondered why they seem to be 'finding things ' to postpone the approval. I even wondered if I am part of a scam. The loan processor is saying that because we have a living trust there is a delay and because we have a sign ( by the road ) with the home addresses on it, the underwriters are concerned. We have refinanced before on our home and these were never issues, in fact they add to fire safety and personal security. We have contacted the processor numerous times and they do not seem to have a viable reason. Is this company going under? Are we part of a larger scam by US Bank? 
Even scarier, I called an XXXX US Bank number to inquire about our application. I gave the US Bank employee our loan application number, our address, name and last 4 SSN. He couldn't even find record of the application. He had 9 pages on his computer screen of loans in process in XXXX California and couldn't find ours. This seemed very strange since we have been at this for about 40 days.

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 2021-07-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.

Initially Rushmore claimed checks were not received. 
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX. 

Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank on behalf of QVC reduced my credit limit for no reason. There was no decline in my payment history and no decline in my credit report. They purposefully and willfully impacted my XXXX store by doing this. I'm not asking for a credit limit increase that would further impact my XXXX with a hard credit inquiry. THIS IS NOT A DUPLICATE. THE ORIGINAL COMPALINT DID NOT ADDRESS MY ISSUE. I'M NOT ASKING FOR A CREDIT LIMIT INCREASE. XXXX and XXXX. Please read the complaints or I will keep filing.

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 2021-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the company for validation of the account, provide a contract between us bearing my signature. They also violated my hippa rights as you will see below they have provide medical information they should have, they also didn't address all my questions in my validation request. Please see all necessary attachments needed to prove my case. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3  cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3   bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX XXXX, so I check my credit frequently just to make sure nothing is going on that shouldn't be. I was in college for years, I have several loans. For about the last year, maybe a little longer, Navient is taking whole loans off my credit, and putting them right back on the next month. It will be fine for a month, then they do it again. My score is effected when they do this nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late 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 non-monetary relief
Consumer complaint received 2018-09-19
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
-Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Experian so many times via phone online, and via first class mailings on many many occasions in regards to 2 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Experian more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.This account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX XXXX with a balance of {$490.00} and XXXX XXXX XXXX with a balance of {$600.00}

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 2021-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this 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 2019-05-22
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I have 2 issues 1. LOAN BALANCE : the original loan balance was $ XXXX back in XXXX. In XXXX, we modified the loan, and effectuated new LOAN DOCUMENTS that re set the loan balance to {$2.00} M. We have been making the payments and our loan is now at $ XXXX plus or minus. OCWEN, our servicer, reports : HIGH LIMIT as $ XXXX and the Current Balance ( correctly ) at $ XXXX. However, this implies we are OVER THE CREDIT LIMIT since the new HIGH BALANCE after the loan mod became $ XXXX. They have repeatedly denied our requests to change and correct that. This has hurt our scores since it perpetually shows us as exceeding our credit limit. 

2. Reporting us late when we are not. In XXXX, Ocwen reported us late in XXXX, XXXX and XXXX. In XXXX, XXXX, XXXX and XXXX were reported late. We made each of these payments timely, by wire, and yet they refuse to correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: SYNCHRONY FINANCIAL
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 am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/PAYPALEXTRASMC  Inquiry : XX/XX/XXXX JCP also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my XXXX  report I have on my personal file a wrong address which I asked XXXX  to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with Transunion they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.

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 2019-05-22
Company: Checkr, Inc
State: NV
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:
Checkr continually reports and has reported outdated information that is more than XXXX years old. In this instance, checkr has reported negative information to an employer from 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About 8 letters in response to my dispute and each letter has a different summary that doesnt reflect the status

Company response to consumer: Closed with explanation