BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 1st Mortgage with XXXXXXXX XXXX  XXXX XXXX, and serviced by SPS Portfolio Servicing,  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I had a pending loan modification that expired XX/XX/19 that I was paying ap. {$1500.00} per month on. On XX/XX/19 the servicer sent me a notice of the expiration of my 5 year modification with a demand for a new monthly payment of {$3800.00}, and beginning XX/XX/19!! This is a {$2300.00} dollar per month increase!! 

They informed me that I could submit for another modification, which I did. After all the paperwork I provided SPS informed me that XXXX XXXX does not provide this service any longer. I appealed this decision to give me 1 more year and they declined. 

They " hang their hat '' on the area of the modification agreement that says borrower may suffer from payment shock at the end of their modification period. Payment shock according to- XXXX XXXX XXXX underwriters is a 20 % increase in the borrowers payment!! Mine is 250 %!! This is a owner occupied mortgage! They should have spelled this potential increase out 5 years ago. I am XXXX XXXX XXXX and have been in my home 20 years, they gave me 2 options, to sell, or refinance! Please help! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX  NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.

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 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of 2019 I was visiting my sister in XXXX XXXX Mo. We went to the mall in XXXX XXXX and went to the XXXX store there in the mall. The sales associate asked me if I would like to open a XXXX account since we had a store here in the mall in XXXX, Tx. Unknown to me when I presented my drivers which is the form of verification plainly states the name of XXXX XXXX XXXX. Even the signature under the picture plainly states XXXX XXXX XXXX. When I returned home and then went to the XXXX store in the Mall of XXXX on XX/XX/2019 I was told by the sales associate I could not use the account because there was a past due balance of {$65.00}. The associate was kind enough to give me a number to call because I have not received a statement verifying the balance. The company that is the card holding company is Capital One. I called Capital One and informed them of the mistake and that the account should have been listed under XXXX XXXX and not XXXX XXXX. The supervisor with Capital One stated it should be about 10 days to receive the statement and the XXXX card. Never showed up. I have received at least three more phone calls from Capital One. My husband spoke to them all three times and told them when you provide a statement with verification of the amount owed and the XXXX card as promised then she will pay the balance. Nothing has come in the mail yet. Capital Ones number is XXXX. Last four numbers of the account are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My information was compromised as the result of the data breach at Equifax. In reviewing my credit reports, I discovered that there were accounts on my credit reports that did not belong to me. 

The dates and amounts in question are : XX/XX/XXXX - {$14000.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$220.00} To correct this situation, I followed all steps according to the law to have these items deleted from my credit reports. The fraudulent accounts found on my credit reports were deleted by both XXXX  and XXXX. Oddly enough, Equifax ( who was the sole cause of my information being compromised in the first place ) is the only credit bureau who did not delete these fraudulent accounts. They have failed me on my efforts to have these accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Account status incorrect

Complaint:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, and 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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and 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 2022-01-29
Company: EQUIFAX, 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 information incorrect

Complaint:
Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 non-monetary relief
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I am a recent victim of identity theft ( discovered on XX/XX/20 ). I'm following the ID theft playbook. Have filed a police report, incident report with the Federal Trade commission, have filed a fraud alert with one of the three bureaus ( which in turn has an obligation to alert the other two as I understand it ) and my last step is putting a credit freeze on my accounts with the three credit bureaus. The process was super simple with XXXX and XXXX   but for the life of me I can't get it in place with Experian. I have tried on-line multiple times and tried to call a litany of numbers and it's impossible to get a human. The end result is the same which is that they want me to mail a bunch of super sensitive information to Texas ( which if it was ever compromised would give someone the ability to do an ID Theft ). There is no way I " botched '' the process, the form is super simple to fill in. It's as if they don't want to let you do this but instead sign up for their paid credit lock product. I've seen other complaints on this and the response from Experian is there is something about my background which gives them pause from an on-line sign up. That's nonsense. I wouldn't be so aggravated by this other than : 1 ) given I'm a recent victim, I want to get freezes in place with all three asap and the mailing process could take some time ; and 2 ) the simple fact that it is impossible to speak to a human. I did read about some functionality where I can upload the information to a secure website of theirs but it is impossible to locate ( or at least I haven't been successful ).

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
My closing date per the purchase contract was XX/XX/2023. When I went to the closing attorney 's office, I was asked if my wife was with me as XXXX is a community property state and the mortgage lender/company was requiring her to sign certain loan documents. I was never informed or instructed by the mortgage loan officer and/or the loan processor that my wife needed to attend closing. I never received a closing call nor did I receive any communication, written or verbal, regarding my wife needing to be at closing to sign loan documents. As a result of this egregious omission/error by the mortgage company , the builder came back on XX/XX/XXXX, stating that since the loan didn't close on the XXXX, that I was in breach of contract for missing the closing date, and if I wanted to move forward on buying the house, the price of the home was being increased to {$630000.00} from {$580000.00}. Had the mortgage company alerted/informed me that my wife needed to be at closing to sign loan documents, I would have closed on XX/XX/XXXX, per the contract, and not been subject to paying the higher price of {$630000.00} or {$45000.00} more for the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: MD
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:
I am seeking restitution of overcharges billed to my Nordstrom Visa account during a recent trip to XXXX. I was charged {$2600.00} for coffee, spices, a tshirt and two scarves purchased at a souq marketplace. I should have been charged around {$260.00}, or ten-percent of what was billed. 

I have reached out to the tour guide who took me to this merchant. I have also exchanged text messages with the merchant. Nordstrom Visa ( run by TD Bank ) has abandoned this claim because they have only the merchants receipt. The bank is not interested in talking with the merchant or the tour guide who was involved in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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/2023 a multitude of unauthorized purchases appeared on my credit card my first reaction to this would be to file a dispute with the company and make sure they were removed immediately. I set a dispute for the amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not hear from the company for about a month until today when they unexplainably added the amounts back onto my balance which understandably has me angry since the charges were made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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