BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: Credit Technology, 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: Account status incorrect

Complaint:
I applied to XXXX XXXX to apply for downpayment assistance on a house that I would like to purchase. Their site recommends certain mortgage companies. I chose XXXX XXXX XXXX. After the income was assessed, they did a credit check. XXXX uses uses Credit Technology Inc to provide credit checks for their applicants. 
When I checked the three credit bureaus, my credit score were higher than the minimum required by XXXX XXXX. 
The credit report that XXXX was kind enough to share with me indicates " XXXX - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY. 
I have uploaded the copies of the XXXX report and the reports from all 3 credit bureaus. The collection was a collection agency on behalf of XXXX XXXX XXXX XXXX which was canceled in favor of another company. 
The notice was be telephone and I had an automatic debit payment that was not discontinued. I brought this issue to XXXX XXXX last Fall. The website does not indicate any accounts nor billing. XXXX XXXX phone agent was adamant that they do not report to the credit bureau and in fact the notice was placed by a collection agency. The agency did not seem to know when or how it was placed nor how to annul it because they can not see it on their end. Now that single notice disqualifies me from purchasing the last home in my life time. 
I am writing to you for advice on how to resolve this issue with the credit so that XXXX can be compliant with the downpayment assistance programs to help me purchase the home of my choice. 
XXXX and XXXX did not include the collection report of {$330.00} in their reports but XXXX did. I have a single revolving account, a XXXX XXXX XXXX credit card. If I purchase a home, I will have the mortgage payment that will be reflected in the credit report. Please help me resolve this last step towards qualifying for a downpayment assistance program. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
On or about XXXX XXXX, 2017, I learned that XXXX XXXX XXXX  erroneously reported to Experian and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX  2017. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated.
My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX 2017 payment was not 30 days late. In fact, the XXXX 2017 payment was made on XXXX XXXX 2017, according to the financing company website.

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 2020-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I deposited a XXXX check from a XXXX bank  written in US dollars. I was told by the Chase employee it would take 1-2 weeks for it to clear. Even after checking with management in the back. A week later I received a letter from Chase stating it would take 4-6 weeks. I spoke with the payer on Friday and was notified the check cleared their bank on XX/XX/. It is a week after the check cleared and the funds are still not in my account. The branch manager told me he cant help me that I have to speak with their executive office The executive office couldnt give me any answers so I requested to speak with a supervisor. Of course there was no supervisor available and I will have to wait up to 48 hours to hear back from one of them. This is totally unacceptable that they have tied my money up this long and I can not get any answers. I am very very frustrated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Village Capital & Investment LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called village capitol about my payment, why it has never cleared. 
The lady on the phone said they never received it. I then explained that my bank sent a check for XXXX dollars to them on the XX/XX/XXXX and it reached XXXX texas on the XXXX. They said that they have had problems with the XXXX mailbox. I asked her why they had not gone to the post office or checked the post office box for the payment, she said she did not know why it had not been picked up or recieved. I then called my bank they said they had sent it, I then looked online account and it showed it had been sent and recieved at XXXX post office. When I called back after XXXX I told them I would stop payment and call them to make the XXXX payment she then replies that there would be a late fee attached I then asked why she said because they never recieved it. I then said you lost my payment why shouold I be charged a late fee for your mistake, she said again that they had to because it was late. I hung up and called them the day before new years eve and made the payment with the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-05-14
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: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: PA
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 have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, my credit limit was decreased and the company didn't inform me prior to making this change. I had a good standing with my account and did not have any late payments. Last year I was laid off from my employer and still made on-time monthly payments for the 8 months I was out of work to my account with Synchrony. In the past, I would pay off my balances in full but while unemployed, I started making the minimum payment. I have never carried a balance greater than 35 % of my XXXX credit limit. I did have 2 late payments on other accounts on my bureaus that have nothing to do with Synchrony. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of { {$800.00} } and it was decreased to { {$220.00} } which now because of my XXXX balance has affected my credit score by increasing my credit utilization and decreasing my available credit limits. There is no reason for this decrease. I emailed and received a response that makes no sense whatsoever regarding my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Problem with personal statement of dispute

Complaint:
I got an XXXX XXXX  visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX  and XXXX  and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.

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 2018-02-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint pertains to Nationstar Mortgage dba Mr. Cooper, the servicer for my mortgage. Mr. Cooper missed a town tax payment in XX/XX/XXXX. I notified Mr. Cooper by phone of the late payment when I received a past due notice from the town in XX/XX/XXXX. After multiple phone and email attempts, I sent a formal written notice of error in XX/XX/XXXX. Mr. Cooper acknowledged the error and paid the town on XX/XX/XXXX but deducted most of the interest ( {$10.00} ) from my escrow account claiming incorrectly it was base taxes. I have attempted several times in writing to ask Mr. Cooper to refund the amount or justify its belief that this amount was base taxes, and I have also sent documents proving this was interest due to the late payment. Mr. Cooper continues not to correct or answer this last error. Additionally, Mr. Cooper has missed the 30 business day limit to respond to my XX/XX/XXXX error notice and the 5 business day limit to acknowledge my XX/XX/XXXX request for information. Correspondence is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several credit inquiries listed on my credit report which Transunion has refused to removed.  I called their customer service a couple of times and they refused to address the issue.  I did not authorize these inquiries and in turn they are causing issues with my credit scores.Here are the inquiries I asked Transunion to remove,1. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX(XXXX) XXXX-XXXX2. (XX/XX/XXXX and XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX (XXXX) XXXX-XXXX3. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX4. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX5. (XX/XX/XXXX) XXXX/XXXXXXXX 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 2019-08-19
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In reference to account number # XXXX from 11 XXXX open on XX/XX/18 $XXXX  is the amount that is started that I owe to this company. I have filed a dispute with the credit bureaus. That I did not open this account nor is this my account. It was open fraudulent. And with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One decided to freeze my funds because of spending pattern. I was told the investigation could take up to 90 days. After the 90 days I decided to call and Capital One still has nkt rendered a decision. We are in a the middle of a pandemic and Capital One is holding on to my funds unlawfully and beyond the 90 day scope i was initially told

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loan modification since I was furloughed from my employer of 17 years, in XXXX XXXXI remained furloughed up until XX/XX/2020. I was recalled to on-call status and have worked 1 day a week since. I anticipate this to become a hardship to pay my mortgage. Fortunately I had a small saving to save me. That savings is dwindling and I have been trying to be proactive by addressing the matter with my mortgage company. since I have not been late yet or defaulted the mortgage, and supposedly home has a hight LTV, they denied my modification. 

My major problem I have with the company is the BPO they charged me {$85.00} to do. After reviewing my copy of the BPO it was apparent it was completed totally wrong. In addition to SLS determining I do not have a qualified hardship, they also concluded I have too high of an LTV to qualify as their list of reasons I was denied. Their BPO they charged me {$85.00} for is wrong by over {$40000.00}. No exaggeration, they used completely inaccurate data. The comparable homes they used to valuate my 1-Story home, they used 2 STORY homes which are significantly different when it comes to valuating. 

I feel that its almost a scam to welcome customers and especially desperate customers nowadays due to COVID, willing to spend the {$85.00} to try and see if they can get assistance with their mortgage. Little does anybody know they are deliberately undervaluing homes. 

I want them held accountable. I want them to re-evaluate the property thoroughly. It's not about the {$85.00}, its the principle. Or Even if its just a BPO there are plenty of model matches to my home IN my community they could have obtained their data. Had they done their BPO correctly they would have found my LTV to be at least 75 %. They would not be able to use excuse I had too high of a LTV.

I have escalated this complaint about the BPO company to the State of Nevada Department of Business Real Estate Appraisal Division.

I also submitted an appeal to the SLS for their Denail of my Loan Modification.

I have copies of BPO upon your request. 

Thank you, 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 2020-10-26
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: UT
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 filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the 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 2017-08-08
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.

Company response to consumer: Closed with explanation