BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please note that the category selected is the best fit, but is not the actual challenge we have. This is not an application or re financing request. 
My conventional mortgage closed on XX/XX/XXXX with XXXX XXXX XXXX, and was quickly transferred to LoanCare XX/XX/XXXX. 
I am a married Florida full time resident, and both my wife and I reside in the property. 
Only my name is on the title of our marital home. 
We have been seeking to add my wife 's name to the Deed to reflect joint ownership of the property. As they have a financial interest in the property we have been seeking the written permission of the mortgage company to do so. 
My attorney has sent two ( 2 ) letters and our requested written response has never been received. The mortgage company claims not to have gotten the first letter of XX/XX/XXXX. The second letter was sent on XX/XX/XXXX via certified mail and a response was requested within 21 days. 
We have not received any response from Loancare.

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 2020-05-24
Company: EQUIFAX, INC.
State: WI
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:
For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-24
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-11-23
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Axos Bank charged me nearly 3 years of interest on a 5 years CD that had only 3 month left until full maturity. Axos Bank kicked me in the teeth when I was down and needed the money due to a family emergency during a global pandemic. I had been a loyal customer and had multiple CDs over a 10 years span and they still severely punished me. Cruel heartless Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is against Equifax. They keep putting fraudulent, illegal remarks on the following accounts. 

1. XXXX/XXXX  2. XXXX/XXXX  3. XXXX/XXXX  4. XXXX 5. XXXX XXXX  On each of these accounts they keep putting a derogatory remark that says CUSTOMER DISAGREES, OR CUSTOMER DISPUTES or REINVESTIGATION IN PROGRESS or INVESTIGATION COMPLETE. ( I am attaching screen shots from my latest credit pull to show proof ) The only statement that should be on each of these is " ACCOUNT CLOSED AT CONSUMERS REQUEST '' All other remarks need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Was not notified of investigation status or results

Complaint:
I have sent in two letters to Experian and I have yet to hear anything back from them. I have included dates on the attachment.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following 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 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 XX/XX/XXXX, 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

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 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX charges my credit card and my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: AR
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:
Equifax, XXXX  and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies. 
1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying for 4 months to close my Paypal account and the company refuses to close it. I do not want the Paypal account in question open, nor do I want it associated with my name. Please assist me in getting this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. 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 2020-05-24
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I was suddenly unable to make any transactions on CashApp, but I could send money to other people. They stated it was due to unusual or suspicious activity. It also says I have insufficient funds, but I have more than enough money in my account. Then on XX/XX/2020 I could no longer send money to anyone. I stated that my card was lost/stolen but now I cant even order a new one. It says my account cant be activated. I attempted to reach out to CashApp on XX/XX/2020 and still havent received a reply. Theyre just holding my money and not giving me any customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

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 2021-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to find a contact to obtain a copy of the Assignment of mortgage from the original lender to you or a satisfaction of mortgage for the lien that is in 1st position instead of the current lien. I am in the process of selling my home and the title search shows that my refinance with XXXX in XXXX of XXXX is in second lien position to the original mortgage obtained in XXXX. The company I originally financed with in XXXX was XXXX XXXX  and they are no longer in business. My loan was then sold to XXXX XXXX, then it sold to XXXX XXXX XXXX. The loan is currently being serviced by Carrington Mortgage. 

I am in the process of selling my home and the title search has shown that this title problem as it is still showing that the original loan in XXXX is still on the county records and there is no assignment of mortgage or a Satisfaction of mortgage filed from XXXX XXXX to o XXXX. I have been working with the Servicer Carrington Mortgage to get this corrected however they are stating they have no records connecting XXXX XXXX to XXXX. However they were somehow able to obtain a satisfaction of mortgage on the 1st lien that was from the original loan in XXXX for a much smaller amount. I have been working on this issue for weeks with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is my 2nd attempt for requesting information from national credit systems regarding this alleged account, I sent a letter on XX/XX/2021 asking for important documents concerning this account and has not received anything for the last two months.i have attached a copy below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried since XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XXXX. I have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XXXX XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX XXXX case # XXXX XXXX. Now in XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX XXXX XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XXXX I am also including all the addresses of all the places that the consumer report has me living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

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 2020-01-28
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: Their investigation did not fix an error on your report

Complaint:
I submitted a credit validation letters to TransUnion and XXXX  to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that TransUnion and XXXX  has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on TransUnion XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX  Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # 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 2018-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Companies closed my bonus checking accounts from XXXX XXXX XXXX  and Saving Account. XXXX XXXX XXXX, Checking and Saving Account, XXXX XXXX XXXX, Saving and Checking Account. XXXX XXXX, Saving and Checking Account. XXXX XXXX 401k Plan ARI Accounts. I haven Internet Online Business Service For Products on XXXX and this is what happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX Freedom Mortgage acquired our mortgage for XXXX XXXX. XX/XX/XXXX our mortgage payment increased by {$110.00} to cover a shortage in the escrow. Freedom Mortgage would not provide a reason, and referred us to the insurance company. The insurance company said it was 'inflation '. We revisited this question with Freedom Mortgage and we were told that our property taxes had doubled. Upon contacting the local tax office, that was not the case. We were told that we have only have to pay {$110.00} for 6 months to cover the shortfall. We should have had an excess balance in escrow, we did not. In XX/XX/XXXX, XXXX XXXX raised our insurance policy by {$700.00}. We changed our insurance to XXXX starting XX/XX/XXXX. By this time, FM had already paid the yearly insurance payment to XXXX. XXXX sent a check to us in XX/XX/XXXX. We paid FM that {$1900.00} to cover the new insurance payment to XXXX as they had already invoiced FM. FM did not pay XXXX until XXXX of XXXX. In XXXX, FM has increased our mortgage payment by another {$180.00} stating that we were short on escrow again. Upon further examination on the FM website the {$1900.00} was credited to our account, however the paper statements do not show that deposit. Presently, FM has requested that we prove to them that we paid them the {$1900.00} in XXXX of XXXX, even though their online system shows that they have received it. Our mortgage has increased by {$300.00} in 3 years. I have filed a complaint with the 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