BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.

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 2019-02-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: REGIONS FINANCIAL CORPORATION
State: MN
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:
An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit 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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to honor my signed agreement with my loan modification from XXXX XXXX XXXX, a company hired by Bank of America to service loans during hardship. I was given back to or my servicing was returned to Bank of America in XX/XX/XXXX. From day one Bank of America has been attempting to dispute my payments and insisted that I owe more than the signed modification. This claim they say is because of my city taxes, however my city taxes have not increased since XXXX which was 2 years before the loan modification. They then said it was my homeowners insurance. This policy is lender placed and exceeding the amount that the loan is for. I then placed my own insurance on my home but the insurance cancelled because I needed a roof. Inspire of this my main problem still is why the bank is not working to honor the modification which helps me to avoid foreclosure. I feel Bank of America is being unfair by placing unaffordable insurance on my home along with discrimination against me and my status as a single XXXX home owner. The bank isnt trying to work with me on affordable insurance because its not profitable to them. This is my home Ive been here for 16 years and Im trying to stay in my home. I hope you can help me with this matter.

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 2020-10-26
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: Information belongs to someone else

Complaint:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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 information incorrect

Complaint:
I was contacted by The XXXX XXXX XXXX rep on XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. thank you.

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 2023-12-13
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Hi I was hoping that you might have the availability to help me my as I'm sure this has happened to other unsuspecting consumers. The lender in my case is Mr. Cooper ( Nationstar Mortgage LLC, ) who currently has several class action lawsuits against them now. 

I have attached a copy of a letter recently sent to Mr. Cooper which is self explanatory referencing a property I own. I respectfully hope you find the time to read it and come to a conclusion that what transpired just isn't right. If for no other reason than the 3rd party placed insurance which is explained in the letter. Someone unsuspecting as myself would be paying an exorbitant premium based on a fabricated liability coverage amount, assuming they had no choice. Or argue the position with them as I did and still lose having no recourse to their charges and unwittingly lose my property as well.

I have to question then, is it in some way a predatory lending practice that shouldn't be permissible but because they're in charge they just do what they want, the little guy be damned.

I thank you very much for your time and any consideration you may have to my plight. 

Again, Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: General Motors Financial Company, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : GM FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone stole my identity and opened this account and I need it removed, I filed a report with Identitytheft.gov

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 2023-12-16
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I requested a payoff quote through the website on XXXX. It said I would receive it via email in XXXX hours. I did not get it so I requested again XXXX. Nothing. I tried calling the XXXX number they have listed and it was answered by an automated system trying to sell me a home monitor. No way to reach Specialized Loan Servicing. I then found another number and requested the payoff quote. Nothing. At this point I made a payment through my bank to them that would have paid off the balance. It was received on XXXX and then rejected on XX/XX/XXXX. Rejected in that it was not applied to my account nor did anyone contact me, but out was not returned. After a lot of searching I found another number and actually talked to a person on XX/XX/XXXX. He said my payment was rejected because I could not pay off the loan that way, the payment had to go to another address by way of cashiers check or wire transfer. He told me my money would be returned and that it was in the last stage. When I never received the money back into my bank account I called again on XX/XX/XXXX. This person seemed very unsure of herself and first told me Iwould receive a check in the mail. When i questioned that she told me no it will be returned the same way it was received. I asked when and she said by XX/XX/XXXX. At that point I asked to speak to a supervisor and she said no one was available. I asked for a call back but as of today that has not happened. I want my money returned so I can pay off the mortgage according to their procedures even though they actually have the payoff.

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 2023-03-28
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I will fax the relevant data separately as I need to include a copy of the advertisement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted XXXX  and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on 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 2020-12-01
Company: Santander Consumer USA 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:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ). 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via XXXX XXXX* XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX* XXXX* XXXX XXXX/XXXX XXXX*XXXX  Interactive XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Company claiming to be PayPal texted me saying someone has withdrawn {$450.00} from my account and notified me of transaction. I replied cancel subscription and cancel order " I did not order. 
they called me on my cell number and told me that someone had hacked into my Paypal account and they would help me close the account and credit me {$150.00}, But I needed to give them my credit card so they could credit me for my inconvenience. I felt something not rite with this and they said they could look into it, by conecting into my computer and they could remove me completely from Paypal thru a program called XXXX XXXX 
I did let them do so but later did not feel good about them in my computer and shut down my system and removed XXXX XXXX. 
Today i got on line and look you up and filed a complaint with you ' Please feel free to call me and discuss. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor - XXXX XXXX ; Collection Agency - USCB America ; Account Opened - XX/XX/XXXX ; Balance - {$130.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX, which the creditor stated they would reply to directly via mail, but I have NOT received any response. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent XXXX USD to purchase online tickets to a woman selling on a XXXX  page who immediately deleted all of her accounts. Her paypal is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We used New American Funding to obtain a conventional home loan for a home we closed on XX/XX/2016. 

The Loan Consultant for New American had originally estimated the annual property tax to be {$2900.00} a year when he issued us a loan estimate on XX/XX/2016. By the time we closed, the underwriter had readjusted the taxes down to {$1800.00}. Now that we have been in the home for a year we have learned that the taxes will be {$3100.00} and our escrow account has a severe short fall that will cause our monthly mortgage payment to increase by 21 % for the next year. 

The previous home owner was a XXXX veteran, was using the property for agriculture, and he was a senior citizen, thus he qualified for extensive tax exemptions. When the underwriter pulled the tax certificate for the previous owner they failed to ask the local tax office a very simple question, " Was the property receiving any tax exemptions? '' The tax certificate has a statement which reads, " If applicable, the above described property is receiving special valuation based upon it's use. Additional rollback taxes that may become  due based upon the provisions of the special valuation are not indicated on this document. '' If the underwriter had read the tax certificate and would have made a simple phone call they would have known not to change the original tax estimate that was provided by New American 's Loan Consultant. Instead, we are the ones penalized by their mistake. A 21 % increase in mortgage payment is unacceptable.

I have tried talking to New American but they do not believe they have made a mistake. They believe that the home 's reassessment is the cause for the gigantic leap in tax liability. They aren't reasonable and won't even acknowledge their mistake. The fact that their own Loan Consultant was almost spot on with his original tax estimate tells me that New American has a serious problem with their underwriting process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation