BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the XXXX data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on 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 explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Made XXXX payment regular payment .XXXX  called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Home Loan 's internal policies, related to XXXX  leave, have violated the fair lending laws on a disparate impact basis. My wife and I were denied a refinance due to my wife 's income being excluded from our combined " qualified income '' because of being on XXXX  leave. Under California law, the Family Medical Leave Act guarantees a parent 's position upon returning to work, and should not be cause for exclusion of " qualified income '' or conditional approval upon returning to work. This is discrimination based on sexual orientation and familial status. XXXX  Leave policies have a discriminatory effect on women and have been found to violate fair lending laws ( case : XXXX XXXX, XXXX ). 

Background : the initial loan estimate was provided on XX/XX/XXXX with XXXX  origination charges and a lender credit of {$1800.00} for a 3.375 conventional fixed 3-year mortgage set to close on XX/XX/XXXX. Several delays caused by Caliber Home Loans took place, causing several rate lock extensions, which were all disclosed on the closing disclosure as charges to the borrower. On XX/XX/XXXX, a second closing disclosure was sent, which included {$820.00} in origination charges ( discount points ) and a lender credit of {$22.00}. Caliber Home Loans effectively charged the borrower for the rate lock extensions when the delays were caused by the originator ( Caliber ). 

Summary : On XX/XX/XXXX ( two and one-half months later ), Caliber informed us that we would not qualify due to a high DTI, which was due to my wife 's income being excluded from our " qualified income '' because of being on XXXX leave. 

Opinion : Caliber intentionally inflated our DTI to deny the loan, since Caliber is losing considerable money on the loan due to additional hedge coverage for rate lock extensions and the recent rallying of rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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: Account information incorrect

Complaint:
The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from Equifax shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX*** on my XXXX  report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show zero and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Please I need help. 

Hello I am writing out to you all as I need help. I signed up back XXXX for Best Buy Citi bank credit card. I have never missed a payment was always on time. 3 months ago I received a notification for payment due. I went ahead and made the payment online and received a confirmation number. The day after I receive it still hasnt taken my payment. I called in to see if they taken my payment, by my confirmation numbers. The lady said it could take up to XXXX days for payment clear my account. I waited a week and still was there the payment was taken and next week was reversed back to my account. This was a 3 week process overall I went after it was reversed to Best Buy to make a cash payment in person. By the time I did that they informed me my account already closed. I have read both cities bank/ Best Buy policy about the credit card and no where does it say this account can close for being 1 month late in payment. I actually called in yesterday and they informed my account has just went in collection XX/XX/XXXX. Which is such a lie I couldnt even access my online account at all and that it was closed months ago. I need help retrieving this account and from my points decreasing dropping.

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 2020-11-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, we were impacted by Hurricane Irma and as a result, deferred our mortgage payments under law for 6 months. At the close of the relief period, we opted to extend our loan 6 months and spread escrow over a 60 month period. 

Shellpoint Mortgage Servicing assumed our mortgage from XXXX in XXXX XXXX. In XXXX XXXX, they performed an escrow analysis and attempted to raise our mortgage by more than {$600.00} per month. The reason being, they did not honor my agreement for deferred escrow. I have called and written them month after month. They will not resolve the issue, they are charging me monthly late fees, reporting me to all credit bureaus, sending demand letters, calling daily and speaking to me as if I were a criminal. I want to sue them but Id prefer to have regulating agencies handle this. Please help me, this is impacting my mental well being amd adversely impacting our credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
MY STUDENT LOANS WERE CONSOLIDATED IN XXXX  BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE 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 2020-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, XXXX does not appear to have appropriate procedures in place that provide updated balance information to credit agencies in a timely manner. I spoke to the them in early XXXX to request that they update my balance information which had last been updated in XXXX. They described very vaguely that information is updated around the second week of every month. I said well clearly mine was missed for XXXX then from your process and please can you look into this. The conversation went nowhere. I'd say this conversation was around XX/XX/XXXX ( I could find exact date if needed ). I also informed that and they had in their files a $ XXXX payment I had made on XX/XX/XXXX ( leaving a very minimal balance of $ XXXX that I later paid off on XX/XX/XXXX. At some point in later XXXX my credit reports were updated with balance information as of XX/XX/XXXX. This is both inconsistent with what they described and appears very odd that they would report that balance ( just prior to the XXXX payment they confirmed they received ). Almost as if was done out of spite. I took no further action and waited for them to report updated balance 1 month later that account is paid in full. Nothing has been updated again on my credit report. I have reached out to them again. Every other lender / credit card company / etc appears to report consistently on a monthly basis. I do not know all the regulatory requirements, but XXXX is clearly putting people, such as myself, in difficult situations when they fail to timely report information to credit agency. I am in the process of acquiring a new home. I'm sure I'm not the only one that is being impact by this. They are not receptive to my feedback.

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 2019-06-06
Company: Experian Information Solutions Inc.
State: NJ
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:
As of XXXX XXXX my Experian account is inaccessible. Experian was notified of the problem but is refusing to respond and has not corrected the malfunction. My User Name at the Experian website is no longer valid for some unknown reason, possibly fraud/hack. Experian upon request will not email to me a reset for a new User name so that I can have access to my account. 

I wasted hours on the phone and computer attempting to resolve the issue, but can not reach a human to explain the problem. I am locked out of Experian with no way of getting back in. The Experian website does not allow requests for help without having a valid User Name and password of which mine has been corrupted / made unusable. 

Experian is unresponsive to any contact efforts I have made. The Experian automated system has hung up on me several times, and refuses to allow me to speak to a real person. 

I believe that my account may have been hacked, and that Experian 's refusal to allow me to directly contact their customer service personnel is a harm to my financial well being.

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 2020-10-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have one SYNCB Card but every time I try to apply for another Credit Card I am declined due to previous account experience. I have never been late and I want to be removed from the black list that SYNCB has placed me on.

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 2020-05-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2020-02-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NO KNOWLEDGE OR AUTHORIZATION OF THIS DEBT. I WAS IN MICHIGAN DURING THE TIME DEALING WITH MY XXXX. I ALSO HAVE XXXX XXXX XXXX INSURANCE THROUGH THE GOVERNMENT AND GO THROUGH XXXX XXXX CLINICS ONLY. THEY COVER ALL MY MEDICAL NEEDS & EXPENSES. I SHOULD NOT HAVE ANYTYPE OF MEDICAL BILL FROM THE DEBT COLLECTOR BELOW : Commonwealth Finance Opened XX/XX/2020 - {$780.00} Original creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.

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 2017-08-07
Company: Experian Information Solutions Inc.
State: CT
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 requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

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 2020-05-16
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-18
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a voicemail from a recording saying it needed to be taken care of in a certain amount of time, so I called the number back. A woman who supposedly works for a law firm said I owed {$1800.00} for a line of credit from someone I've never heard of. Then she threatened to take me to court if I didn't pay. Asked about a payment plan, and she said I would have to pay {$55.00} a month for 22 months, and she needed the 1st payment now. Told her I'm unemployed and broke, she threatened to take 25 % of what I have in the bank monthly, and said if I sold any property or anything else I owned, she could take 25 % of it also. Said I had 24 hours to make 1st payment or she will have to get a judgement through court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: CT
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 requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

Company response to consumer: Closed with explanation