BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: Eagle Home Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we started our loan process with the processor and underwriter through XXXX XXXX XXXX. The processor contacted us requesting documentation for the first initial credit approval. After reviewing the documented requested by the underwriter. We noticed that he or she was requesting documentation that had nothing to do with the purchase of the property. We tired to review it with the processor, explaining that they should be going by the XXXX declaration questions asking if there were any judgement against us and the answer by the processor was no, there were no judgements against us. They asked for a divorce degree from my husbands previous marriage, that asked for a last from HR for me stating that I went on XXXX XXXX and also proof that they house that I sold back in XX/XX/XXXX was not a short sale or foreclosure. When I spoke with the processor over the phone she told me that when they pulled the reports that the divorce degree did n't show any judgements and that the house did not show as a short sale or foreclosure but they still requested a settlement document or HUD showing proof of this. Then after I questioned the sale of the home in XX/XX/XXXX the processor then proceeded to ask why I resold the house in XX/XX/XXXX, which I had already sold in XX/XX/XXXX. On top of that they have requested all petitions that were included in the bankruptcy, which was only filed by my husband before we were even married, because they wanted proof that the house which was solely in my name was not in my husbands name and on that bankruptcy. We fill that that are over conditioning the whole process. We are filling that they are discriminating against us because my husband is XXXX. My husband works in the mortgage industry and he consulted an FHA underwriter to make sure if what they were asking was normal. The answer by that underwriter was NO, it was not normal and they have no business to ask you for your divorce degree and or a settlement for a property that was not my husbands. Especially because they did n't find a any judgment or leans against us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I was unable to access my American Express Serve account. When I attempted logged in to app, I had message with XXXX number to call becauae account was frozen. I called answered all security validation questions and was transfered again. Repeated process and was told my account was permenantly froze and I wouldnt receive ANY OF MY {$3000.00} THAT WAS MY MONEY ALL LEGITIMATE!!!!!! They have never sent single email or phone call! No explanation besides user agreement 15d ... .. Which is vague piece of trash basically saying They can CRIPPLE your family and steal your hard earned money for any reason they want! its been a month and no word! I was told by one of the multiple " supervisors '' I spoke with that I would hear from them after 10 day investigation! I was told all MY MONEY would be returned to funding source!!!!! What about my cash reloads from all around Texas???? Hpw Will I be refunded! This is an outrage and I 've been relentlessly seeking justice and exposing this " business ''! I 've found multiple othet victims of American Express Serve and am in contact with them. I have XXXX small children and this has caused more p4problems than you can imagine! My money was stolen and I need help please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: Aargon Agency, 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: Personal information incorrect

Complaint:
On my report there are addresses, accounts, and social security numbers that do not belong to me.

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This is the second incident with Capital One. Even when paid in full, they add interest. 
I am now at an impasse with a payoff from XX/XX/XXXX. I pulled the info from the on-line information. The balance was paid in full as of posting thru XX/XX/2021. Now they have sent me a statement for $ XXXX Not the balance after the payment and insisting that the information posted on XXXX was correct. There is no way it was correct. I asked for a statement thru XXXX and was told they could not provide it. " No way we could provide that '' ... to be exact. I want to know what additional charges equalled XXXX. I want to see it in writing. I know there were additional chages equal to $ XXXX {$400.00} but not {$990.00}. I am asking for your help to get the documentation. Your assistance is most appreciated. Thank you. XXXX XXXX XXXX / phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting an inaccurate payment history to one or more of my credit reports. On Experian, XXXX is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX   show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. XXXX has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, XXXX has omitted the month by month payment history from the report. The account is incomplete on that report. 

I am complaining because I first disputed the account with Experian and XXXX, but they responded to my disputes on XX/XX/XXXX saying that XXXX verified that the inaccurate information was correct. 

After that, I sent a letter directly to XXXX regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX  and XXXX reports. I also sent them a copy of the dispute letter I sent to Experian as well as the inaccurate account reporting on Experian. 

On XX/XX/XXXX, XXXX responded to my direct dispute letter by saying they already investigated my dispute when I disputed with Experian and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. 

In summation, XXXX failed to investigate my dispute when I disputed with the credit bureaus. XXXX verified inaccurate information as accurate to Experian. XXXX refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. XXXX also has failed to correct the information after all my attempts to get it corrected. 

At this point, XXXX has violated my rights under the FCRA multiple times. XXXX is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because XXXX is maintaining this inaccurate information on my credit reports and I have been denied other credit opportunities.

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 2022-04-28
Company: EQUIFAX, INC.
State: PR
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:
In acordance with the Fair Credit reporting act convergent account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$390.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2020-02-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/20 i rec 'd a statement dated XX/XX/20 with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance rec corp adv unapplied funds but they refuse which is a violation of the CFPB i am also asking for a pay off figure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Bread Financial Holdings, Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today, XX/XX/2020, at about XXXX XXXX  CST, a representative from Scott & Associates came to our home residence at XXXX XXXX XXXX XXXX, XXXX TX, ,XXXX, ' asking for XXXX XXXX stating he has there to collect a debt and service a legal notice for legal action. He was very threatening to my wife who was home alone. We have XXXX  video as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I reported ( 2 ) XXXX XX/XX/XXXX transactions {$170.00} {$170.00} UNAUTHORIZED. see enclosed XX/XX/XXXX statement fraud investigation BEGUN temp credits listed XX/XX/XXXX Adjustment Purchases. ( These were in my favor as the temp credits were NOT reversed. ) WHEN WILL I SEE THE TEMP FRAUD CREDITS MADE PERMANET.? WHAT DO THE PERMANET FRAUD CREDITS LOOK LIKE? HOW ARE THEY DIFFERENT THAN THE TEMP ONES? ( USAA OWES THE PERMANET CREDIT ON BOTH THESE TRANSACTIONS ). Has USAA completed this fraud investigation begun OVER A YEAR AGO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. 

My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. 

I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these accounts i previously disputed and asked for proof of the previously investigation never did I receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Santander Consumer USA Holdings 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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:
None of the accounts below belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is 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 2020-04-23
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I enrolled in school 7 years ago under a military program where the military was paying for my school and student loans. I had an issue in my private life and the school said I would no longer qualify for licensing in that field once I graduated and dismissed me from the class even though I was eager to participate. I was denied the opportunity to complete the class. I found out later this information was incorrect. The school completely misinformed me and stopped me from completing the class. In addition to these issues US Dept of education is duplicating the accounts several times on my credit report and all are inaccurate. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ) says this is against the law. Several times I attempted to discuss this with them, submit paperwork to them ( only for them to claim they never got it ). 
They are willfully, erroneously, and intentionally damaging my credit and my ability to obtain decent housing. This is a violation of FCRA as demonstrated by US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. They continue to refuse to correct this which is a violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called talked to XXXX to get it off my credit report i never signed any documents to sell my information to this agency. They were very rude and did not want to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2021, I pulled my credit report from XXXX  and Experian and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and Experian directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.

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 2017-09-28
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:
X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).

Company response to consumer: Closed with explanation