BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX, Fl 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 non-monetary relief
Consumer complaint received 2018-02-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is concerning AMEX credit card practice of charging " Trailing Interest ''. This practice charges interest on a monetary debt that is has been paid. I was charge interest XX/XX/XXXX - XX/XX/XXXX for a debt that had been paid on XX/XX/XXXX. How is it legal to charge interest on money that is no longer a debt? 

XX/XX/XXXX charge balance due. 
XX/XX/XXXX balance paid in full. ( less than 24 hrs late ) XX/XX/XXXX AMEX interest of {$69.00} was added to my account for XXXX charges. 
XX/XX/XXXX balance paid in full ( including XXXX interest charges ) XX/XX/XXXX balance was due ( but already paid ). 
XX/XX/XXXX AMEX interest of {$46.00} was added to my account as " Trailing Interest ''. 

AMEX claims this Trailing Interest is for the carrying over of a balance, but I only carried over 1 day ... ..SO HOW DO THEY GET TO CHARGE ME FOR THE OTHER 22 DAYS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
State: AL
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:
Im a victim of identity theft

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 2022-08-08
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$310.00} XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We made a request for a loan pay-off with Seterus, and although we are current with our loan we failed to receive a pay-off within 7 Business Days. Property has still failed to close due to not receiving the pay-off.

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 2018-07-02
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
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:
There was a hard inquiry on my credit by XXXX XXXX XXXX XXXX out of XXXX XXXX Arkansas. I did not give them permission nor did I sign any documents giving them consent to rum my credit on Thursday XX/XX/2018. This is unlawful and I want this reported from my report ASAP. There is no justification in this I have not applied nor co-signed for a loan on XX/XX/2018. XXXX XXXX is fraudulently using my social security number and other personal information without my approval.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent 4 disputes certified mailed to Transunion and emailed it's CEO XXXX XXXX. They have continuously violated the FCRA. I have requested that my adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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 2018-04-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is XXXX XXXX XXXX. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through XXXX XXXX  contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by Equifax, on or about the XX/XX/XXXX that this was on my credit report, I called XXXX, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied Equifax and XXXX. I received an email from XXXX, which is attached, and I can not open the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Huntington Bank. I filled out paper work with Huntington to initiate auto draft for loan from bank account. Two days prior to the day my payment was due, I called to confirm it was setup correctly and good to go. They confirmed it was setup correctly. Huntington bank drafted the money from my account on the day the payment was due. Few days later, I got a call from Huntington stating that my account was past due. I sent them copy of my bank statement showing that money was taken out of my account by Huntington for the loan. They told me the issue will be resolved in two days and I would get a phone call. Nothing happened and I called back two days later and gave them additional information my bank provided that could help. I was again told they are working through the issue and they would call me in 2 days. Two weeks passed and nothing came out of this. In the meantime, I kept getting letters in the mail stating that my account is past due and they are sending it for collections and charging late fees. I called again this Saturday, they said they don't have any information and can't even tell if my account is even set up for autodraft. They kept me on hold to check for over an hour and then hung up. They never called me back. My account will be autodrafted on this Tuesday for loan payment. This should have been fixed two weeks ago but no one has been able to help me. Instead, I get pushed from one person to another. I called back today and additional {$400.00} has been drafted from my account. Now they are telling me they never called back because they didn't have a proper phone number to call back when I had them update my phone number over two weeks back. In addition to that they are saying that I was never setup for autodraft even though they saw copies of my bank statement. They are asking for copies of checks which I can not provide because I didn't write a check and it was autodrafted. I don't know what to do at this time and I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Academy Mortgage is paying Real Estate Agents through buying them leads, cash payments and paying for computer programs to be the agents " Preffered Lender '' having the Agents funnel customers to Academy Mortgage and then charging customers higher rates and fees than a consumer could get elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I've reached out to the 3 bureaus and ave not heard back as if yet in regards to my results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sent a loan modification application by my mortgage servicer, Ditech in XX/XX/XXXX. I promptly completed the application and provided them with all of the request documentation including pay stubs, bank statements, signed tax returns, etc. on XX/XX/XXXX. Ditech assured me that a decision on my loan modification would be made within 30 days. It is nearly XX/XX/XXXX and no decision is made and my foreclosure case continues to proceed in court. I call Ditech weekly and ask for an update on the status of my loan modification application. XXXX XXXX from Ditech is very polite and indicates that the " underwriters '' are still reviewing my application for modification and that they will contact me when a decision has been made. It has been far past the promised 30 day decision turnaround and I am growing increasingly frustrated with the tactics of Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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:
Equifax reported a collection company added a collection account of {$64.00} to my credit file that I could not identify. I reported the issue to Equifax who then responded after two days that they investigated and found the collection account to be valid. There is no further information. Equifax has nt provided what the evidence is or what the evidence shows. It simply states they asked the collection company to validate the claim and they said it was valid. The means any company - without documentation - can make claims against an individual without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B 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 explanation
Consumer complaint received 2020-05-28
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are with Navient. I have been trying to apply for the NHSC loan repayment program. Navient will not provide me with proof that I applied prior NHSC funds to the loans. Last spring I requested ( of Navient ) a printout of all payments that I made on my student loan starting in 2010. They did not submit this to me. I missed the deadline, and was not able to submit the application.

This spring, I am trying again to apply for NHSC loan repayment. Again, I put my request in writing to Navient, specifically stating that I need a printout of all payments made on my student loans from 2010 to present. I need this on Navient letterhead, with dates the payments were made, etc. They continue to refuse this. In response, they sent out a notice of how my payments are applied. I am concerned that Navient 's negligence and failure to document my payments will ( once again ) result in me being ineligible to apply for NHSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I close on a mortgage in XX/XX/2020 with Contour Mortgage. At the closing, there was an approximately {$3000.00} that was supposed to pay off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed XXXX days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. There was another {$2500.00} difference in the amount that was actually charged and the amount showed on the estimate closing cost document that I received. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Furthermore, I got an unpaid tax for 2020 that was supposed to be taken care of during the process. I tried to resolve the problem with Contour Mortgage with no success. So I am putting the complaints with the current loan servicer XXXX XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive numerous phone calls and numerous numbers from Portfolio Recovery. At least 10 calls a day. 
The only debt it could be was already discharged from XXXX XXXX for {$900.00} four years ago during a divorce. 
I can't take this harassment anymore. I'm XXXX years old and not healthy. They call all hours and as I said at least 10 times a day. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Prosper Marketplace, Inc.
State: AZ
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:
Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2020-05-13
Company: ERC
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, I made a significant payment on my citicard. I paid XXXX dollars on a XXXX dollar limit. On XX/XX/XXXX, Citibank reduced my limit to to XXXX dollars resulting in an increase in utilization. I have never made a late payment. After making a good faith effort to pay down this card, they reduced my limit significantly which resulted in an adverse effect on my credit score. On XX/XX/XXXX I asked them to reinstate my credit limit and they declined and would not provide me with a reason. They had me speak to a manager named XXXX from XXXX who barely spoke English and repeatedly said that she had no additional information. This is unbelievably unfair. I deserve an explanation. I deserve to understand why after making a XXXX dollar payment that my credit score was actually adversely impacted. Every person I spoke to could not speak English well  enough to communicate with 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