BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-08-07
Company: Experian Information Solutions Inc.
State: GA
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:
back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???

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 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We have a XXXX credit card through Bank of America ending in XXXX. The card has the ability to transfer balances from other cards and have a 0 % interest for about a 12 month period of time. The balance if it is not paid off will then be subject to interest if that balance that was deferred is not paid off by a set date. We have come to find out that when we make payments now to the card because a portion of that original balance has come due because the 12 month period has expired ; when we go to make a payment, the Bank IS NOT paying off the higher interest balance assessed against card. It is in fact splitting the payment so that half goes to a lower interest or deferred amount and half goes to the higher interest amount. So, what the Bank is doing is manipulating the card to their favor so that the high interest balance continues to be present even though substantial payments are being made towards the card. They are loading the higher interest bearing portion in their favor so the consumer will then be assessed the higher interest balance for a longer period of time thus manipulating the card to their favor. For example, other deferred interest cards always have the payments paying off the oldest portion of the balance so the consumer does not incur severe accumulated interest penalties. Not this Bank and not this card. It is designed to keep the balance associated with the high interest active for the longest period possible so the consumer is leveraged with the highest possible interest. This is an unfair practice and highly deceptive. The significant payments being made should be going to the balance portion associated with the highest interest first. The Bank has twisted the payment to their favor. This is wrong and I certainly did not understand this to be the case when the card was opened or when I have had extensive conversations with the Bank customer service.

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 2018-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me. 
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me. 
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me. 
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that. 
Plus, they new my name, address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the 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 explanation
Consumer complaint received 2020-05-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX, I decided to refinance my 30 year loan to a 15 year loan at an APR of 4.375 % using XXXX XXXX. In XXXX of XXXX the loan was sold to Mr Cooper. 

In XXXX of XXXX, I decided to refinance my loan with XXXX XXXX lowering my rate to 3.125 %. XXXX XXXX was used to handle the escrow and title components. According to representatives from XXXX XXXX, a loan payoff amount of {$99.00}, XXXX was given to them by Mr Cooper which was valid until XX/XX/XXXX. 

The loan was a Heloc type, so all the documents were signed on XX/XX/XXXX then after the full 3 day wait period the remainder of the documents were submitted on XX/XX/XXXX and the loan was funded on XX/XX/XXXX at around XXXX XXXX. 

Mr Cooper acknowledged receipt of the {$99.00}, XXXX amount on Friday XX/XX/XXXX ; however, they moved the money into an unapplied funds category and refused to payoff the loan claiming there was a deficiency of {$210.00} in the escrow account. As it turns out, Mr Cooper disbursed the homeowners insurance on XX/XX/XXXX but did not contact the homeowner nor the title company about a deficiency created by this action. 

Also, by not applying the {$99.00}, XXXX on XX/XX/XXXX, Mr Cooper then claimed I didn't make a monthly house payment so they charged an extra {$41.00} late penalty along with extra interest accrued although the payoff amount was good until XX/XX/XXXX. On top of that, Mr Cooper also paid out {$83.00} to XXXX XXXX XXXX on XX/XX/XXXX as part of the mortgage insurance when the loan should have been paid off. 

I contacted Mr Cooper on XX/XX/XXXX after I noticed that the loan had not been payed off. Per their website, they were indicating they would return the {$99000.00} back to XXXX XXXX by XX/XX/XXXX. The representative from Mr Cooper claimed they tried to contact the title company XXXX on Friday without any success. Another Mr Cooper agent on XX/XX/XXXX claimed they didn't try to contact XXXX   until XX/XX/XXXX which happened to be when I contacted Mr Cooper. 

I personally paid the amount of {$220.00} claimed by Mr Cooper that was needed to close the loan on XX/XX/XXXX via an electronic transfer ; however, when speaking to a Mr Cooper representative on XX/XX/XXXX, they said they would not close the loan until the transfer posts from my bank even though Mr Cooper submitted a receipt of payment to me on XX/XX/XXXX. 

I know this can be handled differently. I have a friend that just refinanced under the same situation where there was a deficiency in the payoff ; however, the bank that held the loan closed it then sent a bill for the remaining difference. 

Based on Mr Coopers poor reputation ( just check the CFPB database ) and after speaking to 4 different Mr Cooper representatives, I have very little confidence in this issue being settled appropriately and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: VA
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've decided to file a complaint agent account the credit reporting agencies listed. XXXX and Equifax have both informed me over the phone to send it documentation to support my claims of identity. I have done so, 4 times now and gotten no results or responses. I recently called and spoke with representatives for each company who were both located outside of the US, so of course there were not able to locate my documents. I've attached new and relevant documentation to this claim, please send them to both companies. XXXX has been very helpful and complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint against commenity bank for the XXXX credit   card. They have charged me fees due to their predatory set-up. 
First off they do not offer automatic payments which would resolve any and all issues. 
Second their website is not reliable. Every time I try to sign in the servers are down. Also the cutoff time for payment on the due date is XXXX instead of XXXX XXXX  like every other bank. They are structured in a way to maximize the fee being charged to their customers. 
Third this late fee was assessed during the covid19 pandemic. I feel strongly that all fees should be waived during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Informed Barclays on multiple occasions - beginning in XX/XX/2018 - that XXXX XXXX  card was fraudulently opened in my name. Barclays refuses to close card and turned it over to collections. 

Multiple other credit cards were fraudulently opened in my name in summer XXXX and all were closed.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2020-05-20
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
SUMMARY : DELAYS IN PROCESSING MORTGAGE LOAN TO OBTAIN SAFE HOUSING FOR MEDICAL REASONS PURCHASE AGREEMENT MADE ON XX/XX/XXXX CLOSING DATE SET XX/XX/XXXX XX/XX/XXXX US BANK NATIONAL RECOMMENDED TRANSFERRING TO A LOCAL LENDER BECAUSE OF DELAYS IN THEIR PROCESSING RELATED TO COVID 19 AND  STATED THAT THE APPRAISAL HAD YET TO BE ORDERED AFTER GETTING A LOAN ESTIMATE FROM A LOCAL LENDER US BANK CHARGED AN APPLICATION FEE ON XX/XX/XXXX XX/XX/XXXX TALKED WITH A LOCAL US BANK REPRESENTATIVE WHOM SAID THEY CAN TRANSFER THE LOAN LOCALLY SINCE I HAVE BEEN CHARGED ALREADY BY US BANK NATIONAL AND THAT THERE SHOULD BE NO PROBLEM WITH CLOSING BY XX/XX/XXXX EXTENDED THE CLOSING DATE TO XX/XX/XXXX CONTACTED THE LOCAL US BANK REP ON XX/XX/XXXX TO CHECK ON THE STATUS-TOLD THAT THE OWNERS AGENT HAS DROPPED THE BALL ON GETTING THE APPRAISAL OWNERS AGENT INFORMED ME THAT THERE IS CURRENTLY NO APPRAISAL ORDERED AND THAT IT HAS BEEN CANCELLED TWICE TO DATE BY US BANK APPRAISAL ORDERED LATER THAT DAY XXXX-APPRAISAL DATE SET FOR XX/XX/XXXX DUE TO THE HIGH DEMAND AND LIMITED APPRAISER POOL THAT US BANKS APPRAISAL MANAGEMENT COMPANY HAS IN THE AREA ( 1 APPRAISER )  EXTENDED THE CLOSING DATE TO XX/XX/XXXX XX/XX/XXXX I EMAILED THE LOAN TEAM TO CHECK ON THE STATUS OF MY LOAN ( STILL YET TO SEE ), RATE LOCK AND APPRAISAL CONFIRMATION. 
INFORMED THAT THE LOAN DOCS ARE IN THE PORTAL ( STILL NO LINK SENT TO ME ) RATE LOCKED ON XX/XX/XXXX AND APPRAISAL CONFIRMED FOR XX/XX/XXXX ON XX/XX/XXXX I REQUESTED THAT ANY LAWS BE UTILIZED TO TIMELY PROCESS MY LOAN AND ALSO ASKED FOR THE OPTION OF A DESKTOP APPRAISAL PURSUANT TO CURRENT LAWS XX/XX/XXXX I REQUESTED THAT THE APPRAISAL BE DEFERRED USING CURRENT LAW ON XX/XX/XXXX THE REGIONAL MANAGER SET CLEAR EXPECTATIONS OF THE LOAN NOW CLOSING ON XX/XX/XXXX WITH NO REGARD FOR THE APPRAISAL MODIFICATION RULES ENACTED DUE TO COVID 19 XX/XX/XXXX VARIOUS COVID 19 SYMPTOMS OVER THE PAST WEEK WITH SERIOUS SHORTNESS OF BREATH-WENT TO THE XXXX XXXX AND TESTED WITH RESULTS PENDING BUT A HIGH LIKELIHOOD DUE TO MY MEDICAL HISTORY AND LIVING CONDITIONS-CURRENTLY XXXX, UNABLE TO WORK AND QUARANTINED XX/XX/XXXX NO LOAN ESTIMATE PROVIDED TO DATE-NO CONFIRMATION OF THE APPLICABILITY OF THE CURRENT COVID 19 APPRAISAL INTERIM FINAL RULES

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 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation