BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
My XXXX loan account was paid in full on XX/XX/2023. XXXX  is still reporting a balance on this account to the credit bureaus. I have emailed XXXX and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.

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 2016-01-13
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/2013 I made a purchase of {$1900.00} from Home Depot. This was for new counter tops for our kitchen remodel. When I made the purchase it was under their promotional plan of 24months interest free. Every month since that day I have paid an average of {$100.00} which was over the minimum payment. In between the time of the purchase and last week I had made other purchases that were from {$500.00} to {$200.00}. Last week I went to pay my bill and noticed that the payment due was {$370.00} and the balance was {$5200.00} ... ..previous balance was roughly {$3000.00}. I called and asked what had happened and to report that it may be possible that someone has used my card. After looking into the situation the lady on the phone said that something was n't right and that they were opening an investigation into the matter and I should hear back from them in 4-5 business days. After receiving a survey from Home Depot on my experience I noted that I had not heard from them on the resolution of the discrepancy and was not happy about this. I then called the customer service line to find out if the investigation was still open and the representative stated no it was closed. I then asked what had taken place and they told me that my promotional deal had expired and they placed the interest that had accumulated onto my balance. My argument is this, I made a {$1900.00} purchase under this interest free plan. I have made and average of 24- {$100.00} payments on this card, which would put my overall paid amount at {$2400.00} ... {$500.00} over what I had used. This plan should have been paid for over months ago. I called to talk to customer service again and asked how this could be and I was told that once I made " other '' purchases my promotional interest free account was put to the side and no more payments would go to that until my other purchases were paid for. This was NOT what was explained to us when we used the card. I have been paying on this for 2 years now and was never told that I would have to pay for my promotional plan separate or state that it was to go to that, the entire balance was also shown when I went to pay my bill every month so I would pay towards the balance shown. Then to add $ XXXX+ in interest to my account for a {$1900.00} purchase after paying the bill monthly is outrageous. I feel that this is an unacceptable practice on Home depot by not applying my payment to my balance and simply putting it towards other purchases. The 3rd time that I called and talked to representative I asked why it was like this they flat said, it goes to a different account once other purchases are made. Why on earth is this practice allowed to happen? I can not afford to pay an extra {$1600.00} on top of what I owe, especially when I have held up my end of the agreement and paid my bill every month, even paying EXTRA on top of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Recently I Applied for a Synchrony Bank XXXX XXXX XXXX XXXX  advertised it on website ) to help with car and vehicle expenses! The denial reason was That I owed synchrony bank on a prev credit line! This is just to resolve the credit line and or settle this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im now starting to get back up on my feet! Ive also has several other Synchrony Bank Cards others one of them I owe a balance on being XXXX XXXX card! Im requesting to again settle and or resolve this and would like to ask and or offer the following! 

XXXX XXXX of the what seems to be XXXX balance as before anything happens I tried making small payments and got the account down to such a low amount and tried to do right by synchrony bank and let me immediately reapply and or have my application reconsidered as such! 



Im willing to resolve this and pay the XXXX balance on the following stipulation and all of them have to be met! 

XXXX. The XXXX  XXXX card is taken out of synchrony banks system and not used against me! 

XXXX. The XXXXXXXX XXXX XXXX I applied for is reconsidered and approved amount based on credit worthiness and up to synchrony bank XXXX. XXXX XXXX XXXX Removed from credit Bureaus I would need the payment address to send the money order and or check! 

If you sign and or date the check and cash it The Bank Agree that they then are entering into the above agreement and must obide by such!

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 2023-08-10
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2022-01-27
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, Over the past XXXX XXXX years we have had problems with Flagstar Bank. 
We submitted a loan modification in XX/XX/2021 with Flagstar bank. With the submission Flagstar requested that we quit the claim to the deed of the house in order to secure a permanent loan modification. We successfully completed the trial period with no status update. The process has been delayed and constantly prolonged. Due to the delays and not being able to get any help or proper explanation from Flagstar, the loan modification has been jeopardized. Our loan amount under the modified note hasnt been increased due to the delay. Also when we missed one payment and seemed out for help and to get a loan modification and lower interest rate we were told that we had to miss three payments in order to get a loan modification and that we did not qualify for lower interest rate. This was false. We are seeking help to finalize the loan modification. This has been a very stressful situation. As more time passes we are at risk of losing our home. 


Thank you, XXXX and 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 2022-01-27
Company: EQUIFAX, INC.
State: SC
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 noticed there are XXXX accounts on my Equifax report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Equifax about this and I see the XXXX accounts by a company called XXXX XXXX XXXX are still on my credit report. Also XXXX accounts by a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.

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 2021-06-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage was my Lender and my Property taxes of {$1600.00} were due on XX/XX/XXXX, which I have an escrow account setup. I was in the process of refinancing with a new lender when I found out during my title search my XX/XX/XXXX taxes were delinquent. I notified PHH tax department of my delinquent taxes around XX/XX/XXXX. They failed to pay my taxes until after I closed on my refinance. After I closed they sent the late tax payment to my town on XX/XX/XXXX, which my town sent back to them on XX/XX/XXXX because we had already paid the delinquent taxes. PHH mortgage keeps telling me they do not owe me this money because they " paid it '' but their check was never cashed by the town. I have proof from the town the checks were mailed back to them. I also incurred late fees and interest from their lack of making prompt payment to my town. See attached copy of returned check letter as well as my closing documents see page 23 line F5 and also see pages 92 and 93 for delinquent tax information, which was paid by my closing lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Eagle Home Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a {$300000.00} mortgage for a purchase of $ XXXX primary residence, with a $ XXXX down payment. I have a credit score of XXXX, I have been on my job for 20 years with the same employer and I have earned income of {$330000.00} per year and social security income of {$2800.00} per month and rental income. I have cash reserves of more than {$1.00} XXXX after close of escrow. I have proven I have sufficient earned income, credit and down payment and reserves to qualify for the mortgage. I provided all documentation to the lender immediately, tax returns, pay stubs, verification of deposit and letters of explanation. the last letter of explanation their underwriter wanted from me is to certify that I do not plan to retire. I feel this is age discrimination as I am XXXX years old and still working full time. They do not ask a younger borrower whether they plan to quit their job or to certify they will not be laid off why would they ask me to write this letter. I wrote this letter and the loan has still not been approved. The lender tells me that I had to write this letter as I am currently collecting social security. I explained that I started drawing social security two years ago and continued to work full time and collecting social security is not an indication of retirement.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There's incorrect information on 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is financed by BSI Financial. Every month, my bank automatically issues a check on the XXXX of the month for our mortgage payment. The due date for this payment is the XXXX of the month. After the XXXX of XXXX, I received a late payment notice. I called them to say I had sent a check on the XXXX of the month, which they claimed they had not received. They charged me a late fee and advised me to pay online and put a stop payment on the check, which I did. A few days after I paid online they cashed the check I had sent, and charged me another fee for putting a stop payment on it. This has happened twice already and the company has not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Collins & Hilton Asset Group, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX is claiming I owe them a lot of money, however when asked the attorney XXXX for this so called debt 's itemized statement and copy of the agreement no one will give me the information. XXXX XXXX XXXX stated that they liquidated the mortgage I had with them. XXXX will not tell me from what the debt came from. 
XXXX XXXX XXXX also has not produced a statement for this debt and a person can never be reached in the company who can answer the simple question of where the debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018 I did a loan search online and this company was suggested. The interest rate was not clear to me and I ended up paying XXXX on a XXXX loan. No documents were sent to 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 2023-08-14
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: Information belongs to someone else

Complaint:
I am currently on the phone with a rep by the name of XXXX who works in the XXXX XXXX department of Experian. I was told by previous reps that work in the special services department of Experian that if I submit my ID, SSN Card Utility Bill, FTC Report with the accounts I'm disputing listed on my credit report along with my ID Theft Police Report, they will block the fraudulent accounts reporting on my Experian Credit Report. But, after speaking to XXXX, who confirmed that he received all of the above mentioned documents, he said they have the right to not block fraudulent accounts from my credit report even with the documents I provided. He instructed me to read FCRA Section 605B, Section C. He informed me that this FCRA law gives him the right to not block, or even dispute the fraudulent accounts showing up on my credit.

So while he was on the phone, I reviewed Section 605B, Section C and it states the following, " FCRA Section 605B, Section C states that consumer reporting agencies may not provide certain information in consumer report if it relates to a " bankruptcy case '' that is more than 10 years old, or any other negative information, that is more than 7 years old. '' The above mentioned states no where in this section where it does not give the consumer the right to have fraudulent accounts blocked or disputed, so what he informed me and was trying to educate me about does not apply to my situation. 

But, based on, FCRA Section 605B Law, it allows bureaus to block fraudulent accounts reporting on my credit report. This section states that id you provide the credit reporting agency with an ID Theft Police Report and an FTC ID Affidavit Report, they must block any information related to the fraudulent account from appearing on your credit report. This is done in order to prevent the false information from negatively impacting my creditworthiness. 

I asked to speak to a supervisor, which one was provided to me, but right in the middle of me speaking to him, somehow the call dropped and I was not given a return call. 

XXXX who works in the Special Services department confirmed that he sees all my documents clearly. Then, after he read his notes in the system, he said, and I quote, " Based on the Notes the last rep said, my documents aren't clear. ", then he proceeded to state that now that he is looking at my documents again, the ID is not clear as well as other documents.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE DISPUTED WRONG ADDRESS WITH CREDIT REPORTING AGENCY EXPERIAN OVER THE LAST 4 MONTHS.I NO LONGER LIVE AT THIS ADDRESS AND IT IS NOT CONNECTED TO ANY ACCOUNTS ON MY CREDIT REPORT. 

THIS ADDRESS CITY AND ZIPCODE IS INCORRECT. I DOD NOT LIVE AT THAT ADDRESS AND HAVENT FOR OVER A DECADE NOW

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