BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX have engaged in Extrinsic fraud. Under Florida law the definition of Extrinsic fraud was specially articulated in the United States V XXXX, 98 U.S. 61,65-66,25 L.ED.93 ( XXXX ), in which the United States Supreme Court said : Where the unsuccessful party has been prevented from exhibiting fully his case, by fraud or deception practiced on him by his opponent, as keeping him away from court. 
On XX/XX/2018, the law offices of XXXX XXXX XXXX XXXX XXXX, e-filed through the court system motion to re-set foreclosure sale without any notices to my attorney of record XXXX XXXX XXXX. If fact if you review the service list you will find that my legal counsel was not serve with these documents at all yet XXXX and thier attorney are fully aware XXXX XXXX is the attorney of record therefore we must be serve with all matters pertaining to the case .XXXX  and their legal team failed to serve my attorney in order to acquire a sale date without the presence of legal counsel and my self. The motion reflects that the documents were sent to us instead of attorney. We received copy of said motion after the hearing had taken place and the sale date acquired without my knowledge or legal counsel XXXX XXXX. This act constitute extrinsic fraud, when the opponent party keeps you away from trying or defending your case in court. See motion filed for readiness for trial where my legal counsel was properly served by law, however in regards to acquiring a sale date, XXXX and its legal engaged in conduct related to extrinsic fraud. We have also attached plaintiff notice of readiness for trial where XXXX and its legal representative serve my attorney accordantly, however failed to do so in regards to the sale reset which constitutes in extrinsic fraud. On XX/XX/2018, we requested mortgage assistance however in retaliation for filling complaint against servicer relating Florida deceptive fraudulent ownerships transfer of the note Case no. XXXX, the request was denied. The servicer claimed that the investor of the loan does not offer modifications. XXXX is an approved XXXX XXXX servicer and participates on all Tarp loss mitigation resolution including and not limited to the XXXX XXXX Flex program, on which we meet all criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied for a HELOC from my mortgage company. After i disclosed all information to Chase i was told over the phone my credit score did not meet minimum level for Chase HELOC policy. At no time during phone application process did the Chase representative disclose to me what the minimum credit score Chase requires for a HELOC. My on time mortgage payments are excellent over the past few years. Currently I have a substantial amount of equity in my home and Chase is not allowing me to access it I need to access the equity in order to settle some outstanding accounts that were damaged due to a divorce that was finalized on XX/XX/XXXX. I have been consistently improving and repairing my credit since my divorced was finalized. The equity in my home is mine and i am only asking for a small portion of the equity to settle credit accounts in order to continue repairing my credit, Chase did not disclose to me that they require a minimum fico score to be approved for a HELOC.. I have been a Chase customer for many years but they will still not allow me to access my equity.Totally unfair lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AZ
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/20- I received a notification stating " Your Score Decreased ''. My score decreased by -28 points. 

XX/XX/20- I disputed the account because it isn't mine. 

XX/XX/20- Credit Score Decreased stating " Credit usage on your XXXX XXXX XXXX  XXXX XXXX account increased significantly to 96.40 %. '' XX/XX/20- I received a notification stating " Your Score and Credit Rating Decreased. '' My score decreased by -21 points. Nothing changed on my report and there was an open dispute because the account isn't mine. 

My score decreased -49 points within 9 days. 

I called numerous times trying to speak directly to representatives to try and rectify my issues, but I had poor experiences each time which resulted in me filing a complaint. 

XX/XX/20- I received a notification stating " XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX. This item was removed from your credit report. '' XX/XX/20- I received a notification stating " Credit Score Increase '' My score increased +10 points. 


I've tried numerous times to try and receive an explanation on why my credit score decreased so many points and when it was confirmed that it wasn't my account, and I haven't had any negative impacts to my credit, why my score did not increase more than +10 points?

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 2021-09-01
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We have a auto loan with Mechanics Bank in the amount of roughly {$24000.00}. I made a principal production payment of {$10000.00} and they took it as two years of payments and are refusing to acknowledge that its a principal reduction, charging us not only fees on the {$10000.00} principle reduction but charging additional accruing fees on a daily basis, like a credit card. This is highly illegal, especially since I wrote on the {$10000.00} payment principal reduction payment only

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This letter involves the collection of a debt, Chase Bank received timely payments every month from me the account holder the XXXX card ending in XXXX was open since inception but balances for an unexplained reason was only drawn for the minimum payment. It was discovered that the " pay in full option '' was not correctly implemented and interest profits had accrued to over {$1900.00}. 

{$690.00} was refunded but outstanding debt in the amount of {$1200.00} remains unreimbursed. 

Accordingly, demand is hereby made that you remit full payment in the amount of {$1200.00}. 

Please forward certified funds in the sum of {$1200.00} to the undersigned, made payable to XXXX XXXX XXXX or refund this amount to the credit card balance. 

I should mention that I have spent countless hours dealing with miss routed mail and calls to Customer Service including several " disconnected calls. '' During every engagement, I have been extremely polite and respectful but calls from the Executive Offices have mysteriously disconnected on three occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

ACCOUNTS XXXX XXXXXXXX never late I NQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized

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 2018-03-29
Company: BARCLAYS BANK DELAWARE
State: MO
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 made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX  to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX  tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX  didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.

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 2018-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CAPITAL ONE AUTO REFINANCE ON THEIR SITE SAYS THEY WILL GIVE YOU A FREE QUOTE WITHOUT AFFECTING MY CREDIT. I GOT THE FREE QUOTE YET THEY PUT A HARD PULL ON MY XXXX  CREDIT REPORT DROPPING MY SCORE. I CALLED THEM AND THEY SWORE IT IS A SOFT PULL YET MY CREDIT REPORT SHOWS HARD PULL AND DROP SCORE BECAUSE OF. 

VERY MISSLEADING TO THE CONSUMER AND WRONG, NOW I HAVE TO SPEND HOURS TRYING TO FIX. I WOULD LIKE THEM FINED IN SOME WAY THIS IS WRONG AND FALSE ADVERTISING, COPY OF ADD, ATTATCHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: CO
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:
Bought an oven from Best Buy in XXXX of 2020. Within a week, began getting calls about fraud on the account. After going back and forth for months simply requesting a statement from their credit provider CitiBank, just received the statement with in the last week. Credit is now paid in full. Unbelievable that Citibank would ruin my credit XXXX to XXXX, over this dispute.

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: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain. 

Citibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX. 

Sincerely, 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 2019-03-14
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I have requested XXXX and associated companies no longer contact me via work where they have been harassing other employees, frequent phone calls after XXXX. They are now contacting FAMILY MEMBERS that live out of state that they have no way of even knowing these people 's phone numbers. I have advised them on XX/XX/19 that I am filing a complaint with CFPB as well as having an attorney contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XX/XX/XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XX/XX/XXXX-XX/XX/XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XX/XX/XXXXafter graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XX/XX/XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to XXXX and spoke with XXXX. XXXX researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XX/XX/XXXX that has been paid ( loan number XXXX ). 

I was referred to XXXX because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XX/XX/XXXX, and all records transferred to XXXX and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark 5 integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wrongful information reporting on my credit report contacted Equifax to have inquiries removed. 
XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX & XXXX inquiry date XX/XX/XXXX XXXX bank inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: IL
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 have submitted on 2 different occasions all the documentation required under the FCRA for accounts and data on my Equifax file to be corrected, however I am told the documentation either has been reviewed or that it was n't received. Every time I call i get a different response so its clear that they are not doing anything at all as they are supposed to under the law. I have submitted both a FTC and police reports, as well as letters from the actual companies as proof the information presented on my file was incorrect and should be adjusted. 

I filed my FTC complaint on XXXX/XXXX/XXXX and mailed a copy to Equifax on XX/XX/XXXX and XX/XX/XXXX by certified mail with receipts showing that it was received to XXXX. XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX : ( x2 ) XXXX late payments are showing even though I sent over documentation from the company showing that this was not correct and yet it still remains on my file. 

XXXX XXXX : that was previously removed due to fraud and then it reappeared out of nowhere I assume as a glitch however again I have paperwork from the XXXX XXXX executive office showing that this file was supposed have been removed. 

XXXX XXXX : this account was fraudulently opened in my name by a deceased family member and I have provided police and FTC reports to assert it was supposed to have been removed, whereas both XXXX and XXXX removed the information promptly its been over 2 months and its still not removed by Equifax. 

XXXX XXXX XXXX XXXX : a company I have never heard of or had any business with is asserting that I have an account with them and I do n't and have requested for them to verify/validate the account to which no information was provided to me within the 30 days allowed under federal law, the account needs to be immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax. 
spent over 2 hours trying to unlock my login got transferred under false pretenses.

unresolved after 3 attempts to contact them. 

is there a way to unlicense them for criminal negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Social Finance, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I complained before see XXXX-XXXX. Unfortunately, the situation started up again recently. 

As agreed in my contract, a regularly scheduled payment of {$810.00} ( due XX/XX/XXXX of each month ) was paid on-line on XX/XX/2021 ( {$290.00} Interest and {$510.00} Principal ) I also mailed an additional payment ( a principal-only payment of {$5000.00} that was received by SoFi on XX/XX/2021. Unfortunately, {$29.00} was applied toward Interest and {$4900.00} was applied toward the Principal. 

Why wasn't the entire amount of {$5000.00} applied toward the principal since my regularly scheduled payment of {$810.00} was received and P & I had been applied accordingly? 

I spoke to a representative of SoFi on XX/XX/2021, and was told the correction would be made within 48 hours, but to no avail. Why hasn't the correction been made and it's been more than 48 hours?

Your assistance in this matter would be greatly appreciated. If I had known that SoFi displayed predatory lending practices I would not have used them for a personal loan. 

I am attaching a pic of my on-line account showing the discrepancy as described in the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: IN
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-01-24
Company: CBC Companies, 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:
XXXX XXXX contacted you in XX/XX/2020 to withdraw information from your reporting agency. You did not reframe from reporting incorrect information. Please make corrections immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on 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 2018-02-03
Company: Uber Technologies Inc.
State: TX
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:
An unrecognized hard inquiry made by XXXX XXXX , XXXX. on XX/XX/2017. on XXXX   reports.

Company response to consumer: Closed with explanation