BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX18 I made an electronic payment via the companies Web site in the amount of {$17000.00} which was the amount of the payoff ( the Escrow of over {$2500.00} was still in the account ) On XX/XX/XXXX I called them because my account still did not show being credited even though the money had been out of my checking account for almost 2 weeks. Apparently they only except close to payoff amounts via Cashiers Check or Wire transfer so the payment has been in a limbo account of theirs for almost a month ... They said they would not credit my account and that they would have to return the money back to me via the same means of which I sent it to them ( in my case electronically ) and that it would take up till XX/XX/XXXX to get my money back. I told them this was unacceptable so then I was told that if I send in a bank statement proving that it had cleared my checking account that I would get the money back within 4 business days. I emailed the scanned bank statement to them and then called to make sure they had received the bank statement and they said that they received it on XX/XX/XXXX. I now just called them on XX/XX/XXXX because it has been well over 4 business days and they are now telling me that it will not be electronically re deposited into my account but via a paper check and mailed to me. They will not send it out till at the earliest the end of the week. At the time of this writing I hope that this is the case and that I do actually receive a check within about 1-2 weeks  from now ... ..although I doubt it as I have been lied to for about a month. They clearly have policies in place to keep a consumers money as long as possible without returning it to them. I find this unethical and possibly illegal. Please help us

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 2018-09-11
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 disputed the lates that were on my credit report from all the bureaus XXXX, XXXX and Transunion. All three have not removed the late from XXXX XXXX after being provided proof.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fun XX/XX/XXXX Credit inquires that should not be on my report because I did not authorize them

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 2018-11-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake

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 2018-06-18
Company: EQUIFAX, INC.
State: NC
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:
The office of Consumer Affairs of Equifax is not reporting my report correctly i have ask them to take my file out, They said my file will remain with them ok for what I ask, I have sent a request to have my file removed from The office of Consumer Affairs and they said no, I would like to know what is the problem and by law thats my right and request, This is a serious problem.I am a vitim of identity theft i have reported the issue with the police department and disputed inquiries with the office of Consumer Affairs and submitted a police report they said they dont dispute inquiries but when I call Equifax to speak to fraud dept. without giving them my information cause the office of Consumer Affairs got my file flag, The fraud dept. says if u got a police report and the inquiries are fraudulent u can dispute they. I call the office of Consumer Affairs back and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Capital One either failed to send a billing statement, or I failed to receive it. Once I noticed the problem, I called immediately, but they had already used the excuse to jack up the interest rate to 30 %, charge late fees, charge penalty interest, and otherwise attempt to extort the situation for all it is worth. They were unwilling to restore the original interest rate, even when confronted with the issue. It appears to me that they intentionally, as a standard business practice, will fail to send a bill, then use that excuse to jack up the interest rate to penalty rates on carried balances. 

Also, though I never made any attempts to change my online username and password, they claimed that the one I kept on file was no longer valid, preventing me from logging in to receive an accurate statement of account. In order to log back in, they seek invasive personal information with could be used to further phishing scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called comenity LLC to ask them for the 5th or 6th time not to charge my Bjs credit card for the membership fee and to shut the account down. 
My family hasnt been to Bjs in over a year even though I asked these companies not to charge me anymore were still being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX 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 2019-05-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I'm writing today to ask your assistance in helping my wife and me secure an equitable loan modification that will allow us to remain in our XXXX home. We simply dont know where else to turn, as you will understand after reading our story. 

For the past 10 years, weve lived with the knowledge that our home is in pre-foreclosure status despite our best efforts to secure a loan modification from XXXX, XXXX XXXX, EverBank and now TIAA Bank. Full disclosure : We did renege on a previous modification that was unfairly handled by the banks ; for two years, we made monthly payments of {$2400.00}, but we simply could not afford the inexplicable 50 % increase to {$3600.00}.

Weve been told various different reasons why we dont qualify, creditworthiness, financial, not enough equity and the investor, who we've been told is XXXX XXXX but supposedly is XXXX, just won't approve it. The first time about five years ago was supposedly due to our credit, despite the fact that we had credit scores over 700 ; we have no car, student loan, or credit card debt ; and our small business has experienced exponential growth over the past few years, significantly improving our financial situation. 

We are taxpayers, members of the XXXX XXXX Chamber of Commerce, and supporters of our military and veterans as well as many local charities. Were assets to our community, even with the potential of losing our home hanging over our heads. It has also been a huge stress on my wife 's senior mother who we help out by having her live with us. 

We have an excellent accountant whos been helping us with the loan modification paperwork and has quite a bit of evidence to support that weve been given the run-around by the lenders. He also has two other clients in our same exact situation but different banks and he was able to get them both a loan modification. Weve paid thousands of dollars in legal fees over the past 5 years to prevent a foreclosure, but are truly stumped over what to do next. Were not even sure who owns our loan, as it was securitized. It was transferred to XXXX by a confirmed robo-signer and now XXXX XXXX claims ownership out of thin air. 

Its important to note that had a modification been approved 5 years ago, the money that went to our attorney and accountant would have gone toward paying down our loan. Instead, our arrears have increased, making it harder to get the loan modification and putting our house in a negative equity position. 

Can you help? We would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was contacted by a loan officer of Loan Depot ( loandepot.com ) for a mortgage refinance. He explained to me that I was prequalified after he pulled my credit report. He asked for my credit card number to pay for the appraisal. I gave him my credit card number and then {$370.00} was charged to my credit card. About two weeks into the mortgage loan process, The loan officer suddenly had become unresponsive to my phone messages and email inquiries. My last contact with him was on XX/XX/XXXX. Then on XX/XX/XXXX, my processor sent me an email notifying me that the  appraisal had been finished. Then after that my loan was a complete standstill. I could not get any updates with my loan until XX/XX/XXXX when my processor sent me an email stating that they were trying get some conditions fixed with the appraisal. By this time my loan had been reassigned to another loan officer.  Eventually on XX/XX/XXXX, my processor told me that the appraisal was useless because the appriser refused to fix some corrections in the appraisal. My processor said that Loan Depot would be doing a desk appraisal instead which is only running comparable sales from a computer. This completely messed up my loan and made purchasing an actual appraisal a waste of time and money. I should not be liable to pay for the appraisal. Loan Depot made a complete mockery of this loan. I was misguided by the initial loan officer who ordered the appraisal. Three weeks into the loan process my loan officer suddenly disappeared while leaving my loan at a complete standstill for weeks. Then the appraisal ordered was insufficient and could not be used causing my loan to be denied. The appraiser refused to provide the required information for the processor so it was a total waste.Now I am being charged {$370.00} for an appraisal that was done according to Loan Depot 's standards and they were the ones who ordered the appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled ... I want it removed. 
Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/19 a hard inquiry was placed on my XXXX credit report from Bank of America. This inquiry was not initiated by me nor did I give anyone consent or authorization to apply for any credit.

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 2019-03-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DEFAMATION, SLANDER Despite their assertion I am not behind on payments ( though I was behind two payments ), after I requested mortgage assistance, Wells Fargo contacted a friend I have had for years to let her know I am a financial delinquent. They refuse to fix this slander. See attached email. Relationships are priceless. 
OWNER OCCUPIED Wells Fargo declined my request for assistance with my mortgage. While simultaneously acknowledging the situation ( we are in the process of rennovating ), Wells Fargo refuses to recognize the property as owner occupied. We have lived in the home for 10 years. Recorded phone conversation XX/XX/XXXX. 
SINGLE POINT OF CONTACT Wells Fargo, despite my desperate and several requests for a Single Point of Contact, sent me, over the course of a XX/XX/XXXX three hour phone conversation, from department to department, uselessly wasting my time. 
STRUGGLING TO MAKE PAYMENTS My family has suffered financial hardship related to an attack on my children resulting in three demonstrable felony convictions. Wells Fargo does not care, saying I am not delinquent, even though I was two months overdue on my payments, and am struggling hard.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

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 2019-03-29
Company: International Computer Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint was directly with the credit bureaus who have my address and should have confirmed that the bill in question has a different address than mine, but across the street. 
My previous address was XXXX XXXX XXXX, XXXX. IL XXXX and the bill was addressed to XXXX XXXX XXXX, XXXX, IL XXXX. I want this bill resolved and removed from my credit file. 
The bill is a whopping {$2700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an unauthorized charged to the account. When I attempted to do a transfer to the new account number, the associate attempted to close the account and open a new one. This is not the normal process for Wells Fargo. I asked her not to do so and to instead do the process I requested. She did not and instead proceeded to close the account and put a hard hold on it. When I attempted to resolve it with multiple associates none were willing to take the steps necessary to resolve the issue. Instead they asked me to go into a branch and open a new account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: AR
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 pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation