BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were sent a letter dated XX/XX/XXXX from our previous mortgage loan servicer, XXXX XXXX XXXX. The letter indicated that service was being changed to XXXX XXXX XXXX on XX/XX/XXXX. The only information we have received on XXXX XXXX is a mailing address and phone number. This is our second new servicer in less than 18 months since refinancing our mortgage. 

It has been customary that previous servicers provide temporary payment coupons plus a new account number for the loan. There has also generally been a welcome package sent by the new servicer during the transfer period. None of this has been done by XXXX XXXX. 

According to XXXX XXXX XXXX automated system, it takes 5 days to upload our information from the previous servicer to theirs. When I called today, I was told it takes 7-10 BUSINESS days with no explanation as to why it takes so long. XXXX XXXX indicated that the upload is electronic and would not explain the delay. 

During this transfer process, we had been refinancing our HELOC. As part of the process, we agreed to use the HELOC to pay off the balance of our mortgage. Now that the HELOC has closed, our bank is unable to get a payoff amount either from XXXX or from XXXX XXXX. As a result, we are being forced to pay daily interest for no reason. It is as though our mortgage does not even exist at this time! 

Both servicers say there is nothing they can do. This is unacceptable. For any interim period, the consumer should have the right and ability to obtain a payoff amount on a mortgage and make the payment accordingly. Otherwise, the loan servicer has no incentive to upload information in a timely manner. The mortgage details must be available SOMEWHERE during the transition. 

Finally, one of the servicers should be held responsible for forcing us to pay daily interest when it is not necessary. This interest should be WAIVED during any interim or transfer period. 

It is clear to us that servicers do not want our loan since we have been paying down the balance and now wish to pay it off in full. There should be restrictions on how often a loan can be sold and serviced by a different company. Otherwise, abuse like this is allowed to occur on a potentially wide scale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2020-05-26
Company: EQUIFAX, 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:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX  obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America reported my account as charged off even if I paid my credit card every month. And I paid it 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 2019-08-12
Company: Experian Information Solutions 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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts 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 non-monetary relief
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX   states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. 
I would like the credit report to be updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX XXXX XXXX XXXX submitted alegal order debit to XXXX XXXX bank where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Equifax on Tuesday, XX/XX/2019. I wanted to make sure that my account had no freezes or security blocks to access. 

I was appalled to find out that Equifax uses a XXXX call center and requires me to supply confidential information to a 3rd world employee. Under no circumstances do I want someone to have my social security number, birth date and address information unless they are bonded and verified as safe. 

I do not trust the veracity of 3rd world support staff and the hiring processes involved in engaging them as employees. This practice should be banned for American credit evaluation service providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
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 continue to receive collection letters from Fein, Such and Shepard PC. XXXX XXXX XXXX XXXX , XXXX is an infamous debt buyer, buying up portfolios of old debt. one- they do not tell you who the original debtor is, second if it is who I think it is the debt is from 2010 and is now 10 years old.  according to the state of NJ statue of limitations the max year to collect a debt is 6 years. This company who was original XXXX 's XXXX who was sold by XXXX  and so on. This was never on my credit report and even if it was the debt is now 10 years old and would now be eligible to be removed from my credit report. I have numerous times, sent different collection companies back a letter stating that this debt is old and to not contact me any longer. this has not stopped. I continue to get harrasing phone calls when I tell them to stop calling me and they call odd hours as well. now I am getting threating letters of a application for a wage garnishment at my JOB for a debt that is extremely old. when I call the courts they have no case on this yet I have a case #. is this just there way to scare me, which I don't appreciate it. especially with all the illness I got going on. this is an old and debt and I would like this to be removed. 

file # XXXX docket # XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX  XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}

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 2022-08-07
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:
Dear Credit Bureau ( XXXX, TransUnion or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

XXXX credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2019-03-05
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: Information belongs to someone else

Complaint:
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX DEPT # 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* I am not sure who is using my name I use to live in XXXX I now live back to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a new jumbo mortgage with CIT Bank/One West Bank. A loan officer represented me with CIT - XXXX XXXX - XXXX, XXXX. 
The new mortgage required a downpayment of 20 % which I agreed to do. I was given a pre-commitment letter for the full amount of mortgage requested - $ XXXX and all the information that bank had requested - tax returns, pay stubs, bank accounts, etc. The bank ran credit reports - my FICO score is at least XXXX, with no foreclosures or forebearances. I am also the CEO of a public company - my compensation arrangements are fully disclosed. The loan officer submitted the files and believed that given my income ( well in excess of mortgage payment requested ) and all other credit information, there shouldn't be a problem. Underwriting told the loan officer that the mortgage would be denied unless I could provide documentation that I had three years of future income. Aside from this requirement being virtually impossible to fulfil, it was never part of the underwriting requirements disclosed initially. I did receive the bank 's statement indicating credit denial - the only item checked was " unable to verify income ''. This statement is entirely inaccurate given their statement presented to me to qualify for a mortgage and the information I provided. I am XXXX years old, and XXXX. The three year forward income assurance is a red herring that masks the real reason they denied me credit. Please investigate, as this is inequitable and inconsistent with the information they required. Furthermore, their request is completely outrageous, especially considering that I was going to put an increased amount of down payment towards the purchase ( 20 % ). They did not provide any alternative to the mortgage they were going to offer. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a card about XX/XX/XXXX on line for a Lowes credit card. I gave my physical address and a Post Office box. I did not hear anything from them. They probably sent everything to the physical address and I do not receive mail there. I applied again using the Post Office physical address and they denied because of a previous application. They now can find no information 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 2019-03-05
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 status incorrect

Complaint:
XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with XXXX and Equifax Credit Reporting Agencies only and not with XXXX. 

On XXXX XXXX I received a XXXX alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XXXX XXXX. 
XXXX XXXX implemented a recent XXXX XXXX XXXX  credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with Equifax. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX Trade Line of a merchandise credit of XX/XX/2015 till Present.I have been making timely payments since XX/XX/2015 till Present. 
I made contact directly with XXXX XXXX on XXXX XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX  and Equifax. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Respectfully XXXX XXXX are supporting our Military Veterans and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: LEXISNEXIS
State: MD
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:
Lexis Nexis is reporting false information to the credit bureaus as been verified but the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate

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 2023-03-21
Company: Experian Information Solutions Inc.
State: DC
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:
My credit score is incorrectly shown.

My social security number and other information was found on the dark.

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