BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. Experian and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

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 2023-03-14
Company: EQUIFAX, INC.
State: NJ
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 letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with PHH in XX/XX/XXXX, and the intention was not to have an Escrow on my loan. My closing documents clearly indicated there was no Escrow on my loan ; I paid the XX/XX/XXXX RE taxes from my own pocket, and my Homeowners policy was also paid for the entire year. 
My XXXX policy was coming up for renewal on XX/XX/XXXX and when trying to make payment to XXXX, I was told that PHH has already made my payment of {$980.00} on XX/XX/XXXX. How was this necessary, when my XXXX insurance hasn't even expired yet, it was not late or cancelled, plus there was no XXXX monies set aside on my loan?? This pushed my loan into Escrow without PHH notifying me or having my approval. Altering my loan without my knowledge sounded very much like a XXXX XXXX scam. 
After many phone calls and negotiations PHH agreed to remove the escrow from my account if I paid them back the {$980.00}, they paid to XXXX. I gave PHH a payment of {$980.00} over the phone on XX/XX/XXXX ; and the payment cleared my bank on XX/XX/XXXX. They reassured me the Escrow will be removed from my account. I made XXXX, XXXX & XXXX payments without any incident, giving me the peace of mind the issue was settled. 
On XX/XX/XXXX I was trying to make my XXXX mortgage payment only to discover that escrow was pushed back into my account again and my monthly payments are {$81.00} higher. I called and spoke to XXXX in Customer XXXX on XX/XX/XXXX, she reassured me it was an error and it will be fixed right away. Today is XX/XX/XXXX, however the problem has not been fixed and I am not able to make my XXXX payment, because it is asking for a higher amount. This level of incompetence is extremely frustrating. Their customer service hours have changed due to COVID, and I can't even reach a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
A check was deposited into my bank of America account that I didnt deposited. No money was removed from my account but I needed to report this to clear my name I am having a hard time clearing my name

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 2018-01-29
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: MO
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:
Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2019-05-17
Company: Freedom Mortgage Company
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:
My mortgage was transferred Freedom Mortgage to XXXX XXXX. During the transition period Freedom Mortgage reported to the credit agencies that my mortgage was closed. Of course it was not closed it was transferred to XXXX XXXX by Freedom Mortgage. My credit report suffered because of this and because XXXX XXXX did not report my mortgage payments. I reached out to XXXX XXXX and they said they did report it and I but they could not show me verification of this. I would like this situation rectified as soon as possible. Thank you for your 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 2019-05-08
Company: CITIBANK, N.A.
State: KS
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:
To Whom This May Concern, I received a 1099-C Cancellation of Debt in the amount of {$1700.00} referencing account # XXXX dated XX/XX/2018 Sears MasterCard. I have sent two letters to the following address : Citibank, N.A XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NY XXXX Attn : Internal Recovery I have asked them to provide me with the following items : 1. ) Who opened this account?

2. ) Send documentation of what the historical items are and how this balance got to this amount. 
I have called them several times and have also sent 2 letters to them with the US Postal service. I sent so they would have to sign the second request. Please assist me in resolving this matter. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Sincerely, 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 2023-08-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent Equifax notification that the creditor has requested that those items be removed from my credit files. Equifax is still reporting both of these accounts. I am filing this complaint as another way to give Equifax the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to Equifax but Ill resubmit in this complaint to make sure its received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: SL Finance LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I was contacted by SL Finance around XX/XX/2020 about the Revised Pay As Your Earn ( REPAYE ) program. I have all of the email communication up until them not responding. I was told with this program I would have to initially pay I believe around {$500.00} in order to begin the repayment plan and then $ XXXX was to be forgiven once I made payments for 5 years. I have payment receipts from the payments I made to them, if not all of them, certainly most of them. I continued making payments through the pandemic. I have since received contact that my loans were not being paid on the actual Department of Education side of things. I'm still owing my full amount and when I reached out to them, they stated that the company has been seized due to being fraudulent. With how these payments were made, I was not able to dispute them through my financial institution so now it seems I'm just out of the money I was paying them. I thought I was paying on my student loans and now I'm unsure if I can make the payments for the new payments. Im not sure what I need to do at this point with everything.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX    XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$2200.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$24000.00} XXXX  XXXX {$870.00} XXXX XXXX {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I recently reviewed my credit report and found a late payment. 

Creditor : Capital One Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERICONSULTANTS, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
AMER consultants was supposed to settle my loan modifications with XXXX and the meeting was supposed to take place but each time he blamed XXXX and when I called XXXX, they never heard of them. his name is XXXX XXXX XXXX he keeps calling me to act like he wants to help but he just wants my money now my house will be sold in the morning at XXXX. I feel as if someone did this to me to make me lose my house on purpose so they could buy it. I owe XXXX and its worth almost XXXX XXXX  if I add or finish my addition of XXXX square feet.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. 

However, after few weeks, I received letter stating that I did not meet the requirements. 

Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. 

XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.

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 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have a XXXX credit card which is housed with TD Bank. I canceled my cell phone insurance with XXXX that was {$11.00} per month. I have better insurance with XXXX so canceled it with XXXX. I called XXXX on TWO separate occasions to cancel the charge and they said they would reverse the charge. My final attempt was on XX/XX/2022. I called and spoke to a female who was QUITE RUDE and spoke very condescendingly to me. She had the nerve to tell me, " Why are you calling here when you should be out celebrating ( XXXX ). I responded that I do not celebrate. After about three attempts on the same call to cancel the service and refund the charge she finally agreed after speaking to a Supervisor. She was quite pleasant after speaking to her supervisor and said my account would XXXX refunded any late fee would also be refunded. At this point they lowered my credit limit so I also instructed them that once the account was at zero to CLOSE my account as they breached our contract and they did no do as they said in refunding me the fee. They failed to perform on their end. This negative mark on my credit report has dropped my score AS WELL AS caused XXXX XXXX to lower my credit limit by approximately {$20000.00}. THIS IS UNACCEPTABLE AND WAS AVOIDABLE ON THEIR PART.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05
Company: Social Finance, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On approximately XX/XX/2021 I applied and was approved for a credit card with SoFi, through an online advertisement on the XXXX XXXX website offering a {$200.00} welcome bonus in the event of {$1000.00} spending on the card. I completed the application through the link on the website. I satisfied the {$1000.00} spend within 2 weeks after I got the card. My welcome bonus has never been received. 

When I contacted customer service they said they were submitting it to the " back office ''. 

When I contacted the " CEO office '', they said that they could not issue the bonus because their system did not show that I had made the application through the XXXX XXXX link.

Company response to consumer: Closed with explanation