BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I missed the cutoff times by a few minutes I was going through the mountains in Nevada wasn't able to log on to the internet unti XXXX Nevada time capital one has an unfair cutoff time at XXXX so people in the XXXX XXXX have less time to pay it they got the payment the day it was due and did not post it until one day after I always pay the day it's due and I talked to there reps and none of them care and supervisors are very rude I am never late but because of there early cut off time that's not fair they always get a payment on the day it's due something needs to be done about cspatial one cut off time and business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
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: Public record information inaccurate

Complaint:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy ch7, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Public record information inaccurate

Complaint:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING

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 2020-08-21
Company: Bilateral Credit Corp, LLC
State: TX
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 have repeatedly received harassing calls from Mr. XXXX at Bilateral credit telephone number XXXX ( reference # XXXX ) representing XXXX a former company I worked for on charges that I expensed or was trying to figure out why they were not expensed and paid for and he : 1. Used scare tactics and threatened to ruin my credit 2. Threatened to take legal action 3. Left a very abusive voicemail transcribed here : " You have no intention, no integrity, no morals in resolving this on a voluntary basis. Please be advise this has been reported to your credit and will remain there for 7 years. Collection activities will continue, this does not go away '' I feel threatened and upset at the fact that this person in questioning my character and making assumptions based on a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CrossCountry Mortgage LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on  the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.

I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2020-05-13
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open and account in my name charged the max and then never paid. 

The account was opened XX/XX/XXXX by SYNCB/PPC the credit limit is {$3000.00} the high balance was {$3200.00} says the last payment made was 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 non-monetary relief
Consumer complaint received 2020-08-26
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone got a hospital bill in my name without my Knowledge ; I am a victim of Identity Theft ; I files a FTC Report and disputed this with the creditor and credit bureaus and this item remain on my credit report and the credit still insist that I owe this amount money to this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare claims they sent me a check on XX/XX/XXXX to refund escrow for loan number XXXX. I never received it, and was contacted by Loancare to reissue the check XX/XX/XXXX. 

I completed the form to have check reissued, and was promised to receive the check in 7 to 10 business days, but have not as of XXXX received my money. 

I have contacted the company several times and spent much time on hold, only be told that it's processing. 

At this point I wonder what my rights are, and if I am owed interest etc.

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 2020-11-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, owned by XXXX XXXX, attempted to send me a move out notice. However instead of placing my zip code on both the envelope and letter they placed their own so it was not received. They sent it to Pro-collect collections. I saw it on my credit report and that the original creditor was XXXX XXXX. I promptly called the manager to obtain a copy of the notice, where I found they placed the wrong zip code, and within 7 days of receipt handed them a money order. 
I called Pro collect to tell them that the notices were never received from, any party, and that it needed to be removed from my credit report. 
They informed me that they would not remove it because " I chose to pay the original creditor. ''

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : XXXX A XXXX XXXX XXXX XXXXXXXX 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-14
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, Mr. Cooper was paid off, in full, upon the sale of my house by the attorney & title company. They have misapplied the payment due to their error after having first told me that they 1 ) Never received the check, despite having signed for the Overnight envelope 2 ) said that though they may have received the check, it may have not had my name / account number on it -- so they would have destroyed it 3 ) incessantly calling me at work now to say they are reporting me late and will begin foreclosure process, even though they are " researching '' this issue. 4 ) Have taken no measurable action to correct this issue which has driven my credit score to less than 600 and is impeding my ability to find other housing. 

They have now stated that they believe they credited the wrong account, but are still investigating. My attorney sent them a letter, but it does not seem to have expedited the resolution of the issue. I also believe that they attorney & title company were negligent in not confirming receipt of the payoff or processing it by wire transfer vs. a seller provided third party check. 

They are not overly concerned with assisting me in this matter, they have no sense of urgency and they have added a {$25000.00} fee to my loan balance, according to my online loan access?? They have not disclosed what that fee is for or when they will remove it due to their errors. This makes me extremely nervous. The buyer of my house will be listing the property soon to resell after upgrading the house and I am nervous that I will be sued due to lack of clear title to the house I sold. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charges.

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 2020-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had previously filled a compliant with the CFPB ( XXXX ) I spoke with a representative from CItizens and just received a response from them through you. Reviewing the response they sent- it was sent to the wrong address. ( I have never received a mailed response- viewed the response from CFPB website ) My concern with the response is it was mailed to an address that I haven't lived at for 5 years. It is addressed to a name that I haven't been associated with for over two years. So now my complaint and personal information including my credit score is being mailed somewhere I don't live. They also included two statements which show CItizens Bank has my correct name and address. This is beyond frustrating. So now my personal information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
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:
Attempted to open a dispute online with Experian, but was told to call. I tried calling several Experian numbers, but no phone options ever gave me the chance to select dispute, & could never get with a real live 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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 tried to get company to pull my son and my daughter off of my policy as neither of them live with me any longer. They refused to change my policy to reflect the new changes and advised them that I was going to cancel my policy with them and look for more affordable options for car insurance. I did cancel my policy and went to XXXX at that time and then approximately a month later they placed a debt collection on my credit report. I have disputed this on my credit report and I have not heard anything back. Any help getting this removed from my credit would be greatly appreciated. I have 100 % payment history other then this ding on my credit. Thanks for your time and attention. BTW I am currently back with XXXX XXXX because they were able to offer me a super low rate now with a new policy. If they had just donr this prior I would have never left and gone to XXXX. 

Best Regards, 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 2020-05-13
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.

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 2018-06-21
Company: Experian Information Solutions Inc.
State: SC
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:
Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with 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