BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed for a chapter XXXX Bankruptcy back in XXXX it was completed in XXXX. Since then I have been arguing with Transunion they show my Mortgage as a missed payment in XXXX. I have never missed a payment furthermore they continue to show outdated information my current balance is also incorrect. Never the less according to the NYS law they can not proceed to report this account as it was included in the bankruptcy and the attempt to do so is in Direct Violation of the discharge, this is also stated in the Fair Credit Reporting Act as a Violation and I should have grounds for them Violating the discharge. I have spoken to the other 2 credit monitoring agencies and they show as closed included in the bankruptcy however here I am still fighting with nasty people from Transunion they are hurting my credit and I was also given a very high interest loan due to this as well they should be held responsible Transunion and my mortgage company XXXX both are in violation for in accurately reporting my account I have never been late after the discharge. 
When you file for bankruptcy, you are required to list all of your debts and this includes your mortgages. When you receive a discharge in bankruptcy it also discharges your personal liability for the mortgages on the home. It does not remove the mortgage lien that exists on your home. This means that if you fail to make the payments on the home, then the mortgage company can foreclose on the home but can not pursue you for any deficiency judgment. 
Mortgage companies will not report your mortgage payments because they are concerned that it violates the automatic stay or discharge injunction. The concern is that reporting the payments on the credit report can be treated as an attempt to collect a discharged debt. This can subject the mortgage company to a discharge violation in bankruptcy court. Reporting negative information for any mortgage payments that are late can be treated as a discharge violation.

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 2022-10-10
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I over draft my card XXXX $ and the next day I was in the hole XXXX $ for wrongful overdrafts Ive had with regions bank I was being charged DOUBLE THE AMOUNT

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 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
BANK OF AMERICA HAS BEEN NOTIFIED OF THESE ISSUES FOR YEARS AND REFUSES TO CORRECT THE PROBLEM. I HAVE REPLIED TO THEM NUMEROUS TIMES AND THEY CONTINUE TO IGNORE THE ISSUE AND DO NOTHING. THIS WAS REMOVED FROM MY CREDIT FILES AND RECORDS AND THEN THEY SOLD THE ACCOUNT AND VIOLATED NUMEROUS LAWS AND LIED THAT I NEVER DISPUTED THIS ACCOUNT. I HAVE FILED NUMEROUS COMPLAINTS AND THEY HAVE NOT BEEN HELD ACCOUNTABLE FOR THESE VIOLATIONS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND NEED TO BE REMOVED ASAP BANK OF AMERICA CEO HAS BEEN NOTIFIED OF THIS ISSUE AND STILL DFOES NOT ONE THING TO MAKE IT RIGHT

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 monetary relief
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX  failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, transunion updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.

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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 called Capital one back in XX/XX/2019 to make arrangements for my account balance as I am XXXX and can no longer work.In addition, my husband was laid off temporarily from his jon at the XXXX due to the shutdown. There website said they have programs to help, so when I called them on XX/XX/2019 they said they would enroll me in a hardship program, and as long as I made the minimum payment every 30 days by my due date, they would report favorably to the credit bureaus. I made my payment each month before the 30 day mark and they randomly report my account past due for months it has not been. I have escalated this so many times and they say there is nothing they can do to help me and they clAim they can not find the call, even though I have given them the date many times. They refuse to honor their payment arrangement. I even tried to enroll in debt management since they refuse to honor the arrangement and they denied it saying I can not participate. At this moment they have denied all attempts I have made to pay and refuse to keep their own word to honor their arrangement. I am looking for an attorney to help me in this matter. I would like for capital one to update my credit report for reporting me late when I was not for XX/XX/2019, XX/XX/2019, and for some reason now XX/XX/XXXX and XX/XX/2019. Their corporate is no help and doesnt help, but says sorry there is nothing we can do to help you, go file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.

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 2019-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted an online dispute with Equifax and have tried repeatedly to get a copy of the results after being notified via email they were ready. The online portal never let me in, so I called them directly. After giving every possible identifying information to the customer service rep, I still was not given the info. After getting extremely frustrated, I requested that it be mailed to me. The person placed me on hold to see if that was possible. They came back eventually after an extended wait and stated : It will be a while before you receive it! This is absolutely ridiculous as I have been trying to get the results of the incorrect information that they should have been removed weeks ago off my report. This seems like a tactic to frustrate the consumer from removing erroneous info from their reports. It is shameful and appalling..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FTC filed CAPITAL ONE AUTO FINANCE debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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:
( Social Security Administration ) a credit account that was showing as a positive and paid in full, up to date account on XXXX, trans union, and XXXX credit reporting bureaus, was either fraudulently disputed by another person other than myself, unauthorized, ... or was incorrectly removed/deleted via and by the credit bureaus who provided this information pertaining to this credit account, XXXX, trans union, and XXXX, whom initially listed this account onto my XXXX, trans union, and XXXX   credit report files, however, I had not done this myself, as it was showing a positive and paid account proving my credit worthiness in paying it off with no issues. Now, due to this unauthorized, negative, removal, dispute, or deletion of this account, and being that I have no deragatory remarks on my credit reports whatsoever, I am not emitting a FICO score of ANY kind, or it is so low ( an XXXX ) that i am unable to apply for credit in the least amount, had this one positive not been removed from my credit file and reports. ( Social Security Administration account # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with investors Bank ( formally XXXX XXXX ) since XX/XX/XXXX. I paid down less than 20 % of the load which requires me to have a Private mortgage insurance. I 've been making extra payments on the account each month which reduced my loan-value-ratio significantly. My PMI based on the disclosure statement is due to be dropped in XX/XX/XXXX. In XX/XX/XXXX when my loan reached 80 % of the loan to value ratio informed Investors Bank in writing twice for a removal of the PMI. The last correspondence was XX/XX/XXXX. My loan to value ratio is currently at 73 % ( Original home value {$200000.00} with current balance less than {$140000.00}. They failed to drop the PMI, stating that it 's due to be removed in XX/XX/XXXX and that I need a new appraisal ( they will have an appraiser from their bank contact me. To date I 've not been contacted by an appraiser ) to ensure that the property have n't decreased in value. My question is, should n't the PMI be dropped automatically when conventional loan reached 80 % of the original value based on federal law?

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 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My coinbase.com account was suspended due to me being a XXXX resident, I have since moved to XXXX XXXX and have sent in my new ID and received confirmation of my ID being verified by the customer support but my Account is still blocked. Coinbase did get in touch with me briefly but have stopped responding to any of my messages or complaints. I have messaged them daily with no response for over a week. I just want to make sure that I have not been scammed out of my money ... my login for coinbase is XXXX Thank you for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my XXXX  File Number : is XXXX im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX or around I started to receive debt collection calls from a company stating their name was Southwest Collections, this company advised me that I owed on ambulance bill for a XXXX  emergency ride in XXXX. I informed them that I have never been in an ambulance, after going back and forth with the representative, she decided to inform me that this was a Joint account that I am on. I informed that I am not a joint on anything and also I dont even believe you can have a joint ambulance bill. They refused to advise me who was on this joint account, either way I know this is not a bill I am responsible for, after disputing over and over with this company and going back and forth they have fraudulently added this to my credit, this is causing me extreme hardship, having a bill on my credit that does not belong to me. I disputed this with all 3 credit bureaus, however the information remains. I dont believe investigations are being done, this company should not be able to fraudulently list someone as a joint owner just to get an account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already have a mortgage with USBank. I was contacted to refinance. I was told there would be no hard pull on my credit but there was one. I was also told I was approved for the loan. I later received a letter that I was not approved. I 've asked to have my hard pull removed but it has not. In the meantime, I have no idea where the refinance stands. I 'm somewhat educated in this world yet am still perplexed. I 'd rather resolve this amicably but am at my wits end ... Thank you. 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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX I have contacted this company at the address listed below on my TransUnion credit report which is : XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX, CA XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to TransUnion about me, and provided TransUnion with a false address, I demand that the item they are reporting be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation