BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the Covid outbreak I could not pay my lender, The Money Source ( loan # XXXX ) my XXXX payment of {$950.00}. I called them on several occasions only to incur very long wait periods. When I couldn't get through via the phone, I took to e-mailing them. They said that they would reply back within 48 hours, but never did. I was fortunate enough to have been able to sell my property. The closing date was on XXXX XXXX, 2020. I paid The Money Source {$120000.00}. they were paid in full. I have never missed a payment in the 3 years that I have had this loan. At closing I noticed that the pay off was far different from my XXXX Statement. Not only did they report me to the credit bureau for missing XXXX 's payment, but they charged me {$2100.00} more because I missed 1 payment. I'm sure that they are entitled to the XXXX payment and a late fee, but they have charged me {$1200.00} worth of interest. I thought at the time of closing that they were also charging me XXXX 's payment even though I e-mailed them and told them that they would be paid in full on the tenth. Today XXXX XXXX I called the Money Source and explained my dilemma. Their reply was that the additional {$1200.00} was an interest payment. I'm sorry, but I've been making my mortgage payments, while struggling through Covid. I had to sell my house because I could not afford to live in it anymore and they go and ding my credit and charge me an outrageous amount, all because I missed my last month 's payment.  The fact that they went to the Credit Bureau without replying to me is ridiculous. I didn't receive any certified letters stating that I was delinquent. I also had a problem with them paying my insurance policy on time. I received notice from my insurer that XXXX XXXX XXXX had not delivered the funds which were in escrow. It was rectified, but maybe the insurance company should have charged them interest. This is a HUD loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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 was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: CARMEL FINANCIAL CORPORATION, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: DISCOVER BANK
State: IL
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:
Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: UT
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: Problem getting your free annual credit report

Complaint:
I'm trying to obtain my free annual credit report for a job I already have an offer for but I need my credit report to finalize the process, but the Experian website says the following : " Sorry, we are experiencing technical difficulties. 
You can try again or request your Annual Credit Report to be mailed to you. '' This is extremely detrimental to my financial future and I need this before the weekend is over! ( XX/XX/19 - XX/XX/19 ). 
I can't even download it! The phone number they provided ( XXXX ) to request my free credit report is a XXXX joke and it still says that they WILL MAIL IT TO ME?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NC
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:
Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX ; inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2023-06-02
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 taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX 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 2019-07-21
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage loan with Berkshire Bank in MA. 

The loan was underwritten in XX/XX/2018 for a single condo that we own which is in a condo trust with a total of 3 units. 

The Bank has asked for Master Insurance folder on XXXX. We sent them on XX/XX/XXXX the most recent folder from the Insurer. We have a written response back from the Bank stating that they received the folder. 

However, in the last two months they have increased our escrow amount due to missing master insurance. I have talked to the Bank three times now and to the person who has received the folder twice. 

They still could not fix it in their systems and we look like we are behind our mortgage because of the arbitrary increase in the escrow account the bank imposed.

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 monetary relief
Consumer complaint received 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion has my credit score according from XXXX XXXXXXXX XXXX print out as of XX/XX/2018 was ( XXXX ) As of XX/XX/2018 showing ( XXXX ) as by XXXX XXXX XXXX. The issue I have there has been a lot of wrong information that was on my credit report by TransUnion such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 2 BY XXXX XXXX XXXX in which has been all removed and some that was court papers as to why they was on there. TransUnion has since lowered my credit due to what I see all these company 's been removed by them. My credit score should not have gone down by ( 34 ) points. I have no late credit cards- student loans or revolving credit cards-car payments etc there is no justifications for this on TransUnion/ XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
On XXXX you received a Certified Letter of me asking you to verify the method of verification on the account above. 

On XXXX I received a Dispute Result that this account above was Verified. 

How actually was this Verified because the third-party XXXX you use has no information of me having a Bankruptcy on my Consumer Report? 

On XXXX I received my Consumer Report from XXXX showing that there is No Bankruptcy on my consumer credit report *I have attached the XXXX Consumer Report in this Letter. 

Please DELETE this Account Immediately from my credit report to prevent further damage.

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 2018-10-19
Company: DISCOVER BANK
State: GA
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:
Ok. I will make this the last time that I make a complaint about this matter. I called and left a message for you on today ( XX/XX/2018 ) Ms. XXXX. Didn't get a call back. I also received a from XXXX XXXX thoroughly explaining no record of an attempted payment on today, the letter is attached. It has already been confirmed that I gave you my correct account and routing number ( that is attached as well ). With that being said, If the late payments that Discover reported as late is not removed by XX/XX/2018, a lawsuit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX  Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I believe my account with BANK OF AMERICA EDD in California was fraudulently reported to the IRS. Between XXXX - XXXX my tax return has been taken for the reason of unemployment fraud. I have not received unemployment between those years. I was on unemployment between XXXX - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Personal information incorrect

Complaint:
I sent a letter to remove this personal information and inquiry that XXXX to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove this personal information and inquiry not later than XXXX business days. XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent a letter to remove these personal information and inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  Date Updated : 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 2018-04-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has an account opened on my credit report in the Amount of {$840.00}. I dont know this company and dont know why they have my information or what this is. The account was opened on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. 
Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! 
I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. 
That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.

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 2023-05-23
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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:
Santander consumer usa has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by Santander to receive payments on its behalf. The Santander website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or XXXX XXXX location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by XXXX. It is not my fault if your website wasnt working. Nevertheless, I went to a XXXX  location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2020-09-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation