BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX  updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.

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 2019-05-28
Company: Experian Information Solutions 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 resided with my mother at a previous residence in XX/XX/XXXX, where I never signed a lease. My father had lived there before I moved in, and I'm not sure if he had signed a lease or not, but we share the same first and last name. On XX/XX/XXXX we were evicted from the residence, and a civil action for possession appeared on my credit report. However, the name listed for the action is not my name and has been listed under my father 's name as evidenced by the different middle initial ( my landlord had put down a XXXX where my father is the XXXX ). Due to this false information I have had issues being able to rent at other locations.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY 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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted an investigation request to XXXX and Trans Union on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2015-12-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX accounts that have been closed from signal XXXX XXXX XXXX XXXX that are over 10 years old. At this point these accounts needs to be deleted from my credit profile but the credit reporting agency have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with a loan company which ended in late payments. The house was sold on a short sale in XX/XX/2016. 
Since, I have a car on which I pay {$570.00} a month. I have a credit card with almost {$5000.00} credit. 
I have not being late on my bills.

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 2021-08-13
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
when i log into account it has untrue or confusing information. I have been having a one sided conversation with this company for months now but somehow ive been put into this modification denial appeal phase and i dont know that even happened cause I didn't even know this was taking place until i read the letter they provided as a enclosure for the last complaint that was closed. So im to just give my information again to pay the extra interest that was incurred for stupidity and misinformation. Where was this foresight and proactiveness in XXXX XXXX AND XX/XX/ when documents were lost or " not received '' when income was counted when it was convey to officers in your company that the income wasn't supposed to be counted. So now we have Mr cooper all of a sudden looking out for the little guy yet while you're while conducting your investigation, youre ignoring my emails that you see daily and also while complying with all things federal you have time to have a third party contact me cause you cant get a hold of me but yet you confirm you get my emails. Very interesting logic. i didnt read anywhere in my contract where it said things liek this can take place the servicer can whip up a modification for the mortgagee without consent and its all in the spirit of good faith. Why wasnt this conducted in XXXX  when i was thousands less in the whole. after all the medical bills i shown you for my wife or after you had your financial disclosures that showed the amount of my XXXX that i exhausted sending the majority to you ( i paid two payments of XXXX XXXX XXXX ) come to you with first payment default not even a default i was just behind you lie said i needed to be delinquent to be considered i wait that period then get rejected cause of timely filing which was bogus and wasted time casue the ENTIRE time im struggling with the health of my wife and tryign to look for a job and im begging fo a letter or something i can show a perspective employer to show im working on the issue since i work in finance NOTHING then you us the fact that i didnt have income at the time to justify the reason why you lost my paperwork in the first place then when i get back on my feet and get a job you're continuing to count expenses that i told you that should ve been taken off errors after errors almost a foreclosure then the error is Finally recognized get a hard fault modification then the pandemic happens AND I SOMEHOW BUMP MY HEAD AND DIDNT SEND THE PAPERWORK BACK silly me oh boy im so silly get another modification denied for false reasons again in XXXX and XXXX now here we are with this farce of a service company trying to accommodate me with a modification i didn't ask for ... THANKS YOURE HELPING A LOT KEEP UP THE GOOD WORK so sorry for the inconvenience so sorry you're disappointed and don't understand the bind you put my family in and the daily torture and anguish i deal with. Thank you so very much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have called disputed the information with all credit bureaus through telephone and through their dispute process. they still are showing incorrect information. XXXX sent me the correct information but Equifax in their response to the complaint said that the creditor verified the information. I am attaching that information along with the withdrawals from my bank account when the mortgages were paid. XXXX was deducted on XX/XX/XXXX, paid on XX/XX/XXXX because XXXX lied and said I input my bank information in wrong and on XX/XX/XXXX, paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed all 10 or 11 of my credit cards without notice. 2 of which i have had for over 10 years and one ( Lowes ) had a credit limit of {$19000.00} with only a {$4000.00} balance. Never a late payment ever on any credit. with this bank. Ever in my life. They closed Belk, both the store card ( 0 ) balance and the Belk mastercard, paid off monthly, American eagle paid off monthly, BP Visa credit card balance paid off monthly, JP Penny used once a year paid off monthly, Care Credit used twice in 8 years had a XXXX balance on it and it is now paid off only because i was so upset. Pay Pal regular card and also the Mastercard they closed, Paypal regular still holds about a XXXX balance, Mastercard holds a XXXX balance-Auto pay is now set to {$300.00} as of today. Gap mastercard has a {$5300.00} balance. Credit limit was XXXX i believe. Said i was a " High risk for Failure to Pay '' Yes i will admit, too many cards.. But a high risk when several of them were paid off pretty fast if you ask me. Yes my score did take a drop, but with fighting a blood condition which I am winning, I am paying credit down in a hurry. High Risk of Failure to pay, but most had XXXX balances and others were paid off monthly, no late payments ever.. The letters attached explain nothing but pure, in my eyes, Stereo typing due to credit score drop. 

All I am asking of for My Lowes card back, my BP card and my Care credit for my cats. That's it. I don't care about the others. 

We used Lowes to finish the 2nd floor of our new home 2 years ago. We own a business as well. Please help us, as this has happened a lot of other people here lately due to the pandemic and it's not fair, people with excellent payment history should not be punished and have credit revoked. Reduce credit limits, send letters, help others, don't hinder. Don't judge, reach out, lend a hand. What is our country coming to? 

Please help I just want my 3 cards back that matter to the most. Without having to reapply. 

Thank you.

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 2015-09-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had about 5 cards with synchrony bank. In XX/XX/XXXX, I logged in to make a payment and saw that all my accounts were closed. I have never missed a payment so I called each one and they said it was due to " high credit risk '' which pretty much is saying they don't want people to have credit and are punishing the customers due to the COV-19 which is very wrong and should not be legal. People should not be punished for something they can not control like COV-19 just cause synchrony is afraid of losing money. This negatively impacted my credit score then the reps for synchrony XXXX, care credit, and PayPal credit told me to reapply.  They won't let me with paypal and with both care credit and synchrony XXXX they approved but then closed the accounts before I could even activate it. That added 2 hard inquiries along with 2 more closed accounts. Action needs to be taken. Synchrony bank can reopen my accounts they closed without my permission and also without notice or else they can refund the interest charges I paid this is not how you treat your loyal cardholders who have always been on time and never went over or close to the credit limits and I would NOT recommend synchorny bank to anyone and if this is how they treat their customers people should boycott them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a fraud report to the three credit bureaus, XXXX, XXXX   and Transunion. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer. 
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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 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 an account on my Experian Credit Report that is inaccurate. It states that in the years of reporting the account, in ONE MONTH I was 90 days late. All months before and after were " on time ''. That is an impossibility. I have disputed the entry, and Experian stated they would investigate. I was told later that the investigation consisted of Experian asking the creditor if they were " sure '' about it. Of course they came back and said " YES '' ( so Experian says ), although the other two major credit reporting bureaus removed the entry. I asked for another investigation thinking Experian would take the investigation to a new level, but no ... they just asked the creditor again ( so they say ). 
Now they won't even listen to me, and they are spreading misinformation about my credit worthiness because they won't do a proper investigation. Can you please help 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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: OH
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:
I was looking over my Chase/amazon  credit card XXXX statement. When I closely got to looking at it. I noticed I was being charged for amazon XXXX, amazon XXXX, and was getting double billed. Amazon XXXX was billed on XX/XX/XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX I was charged XXXXfor Amazon XXXX. Then on XX/XX/XXXX I was charged XXXX for Amazon XXXX, and then again on XX/XX/XXXX for XXXX. I only agreed to pay for the one amazon XXXX. Which I was told included the music free shipping, and video. As I was talking to them. I decided to look at another old bill. When I got to looking at that one, I noticed back on XX/XX/XXXX and on XX/XX/XXXX I was charged XXXX for amazon XXXX, On XX/XX/XXXX I was charged XXXX, and on XX/XX/XXXX I was charged XXXX for amazon XXXX. Now before I mention the old bill the lady said they will reimburse me the 2 months of music. When I mention the charges that go back to XXXX. I was told that they would pay me for the double billing, but not for the music. After question that they ended up paying back the XXXX  and 2 payments of the music. The total amount XXXX. Then when I went to ask any question. The lady couldn't answer any of my question. Then I called Chase. I explained to the gentlemen what was going on. He went to look it up. Then told me then I have been charged for the music since XX/XX/XXXX and the video since XXXX of XXXX. Never did tell me about the double billing on the XXXX. Then he told me that since there was so many transactions he had to send me to another department. Where I spoke to a lady. She explained to me that she could only go back to XXXX of XXXX. So now I am out of that money that they took out for a year.

Company response to consumer: Closed with monetary relief