BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2018, XXXX XXXX placed two hard inquiries on my Experian report. It has been over two years and these inquiries have not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
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 status incorrect

Complaint:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

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 2018-06-22
Company: EQUIFAX, 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 status incorrect

Complaint:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

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 2018-09-12
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: Their investigation did not fix an error on your report

Complaint:
I submitted a written request for XXXX, XXXX and Experian credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.

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 2017-08-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Took the hurricane Irma mortgage 3 months assistance, now I got served a civil action summons on XX/XX/XXXX with 20 days to respond. I have been in contact with Flagstar Bank and sent them all the paper work they requested for a modification at least 7 times ( mail an via email ) over the past 6 months. They still can not and will not help me. Every time I call they say we are working on it or we need this paper or that paper which we have already sent again, but send it again anyways. They sent back my payment as well. Please help my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Account information incorrect

Complaint:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is 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 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA HAS FAILED TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$37.00} TO MY CREDIT CARD # ENDING IN XXXX The Original Purchase for merchandise was in the amount of {$42.00}, as per the attached receipt from XXXX dated XX/XX/2020. 

The {$37.00}, was the Amount for a Return of Merchandise per the attached receipt dated XX/XX/2020. 

{$42.00} Purchase {$37.00} Return {$5.00} amount of my liability of the purchase after the return. Posted XX/XX/2020 On XX/XX/2020, USAA, posted a credit in the amount of {$37.00} for my merchandise return. 

However, on XX/XX/2020, USAA reversed my credit in the amount of {$37.00}. 

The Issue Remains That the Proof of the Return and Refund by XXXX by the Attached Receipt Was Not Refund to My Account. 

I Am Still Due the Credit in the Amount of {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I filed two complaints with CFPB, one against Ditech Financial, and the other against XXXX XXXX, the mortgage company Ditech transferred my loan to. 

In that XX/XX/XXXX complaint against Ditech, I supplied the mortgage payment history from my bank to Ditech including all months after I had been approved for a Modification ad brought current. 

Ditech responded XX/XX/XXXX with their record of my payment history ( Attachment A ) Unfortunately Ditech 's record is incorrect. In their payment history, they have missed a payment made in te first month of my becoming Current. That payment was made XX/XX/XXXX. By missing this payment, Ditech 's payment history is off one month from it's inception. 

I am resubmitting the payment history with the request that Ditech correct their records, nd report the error to XXXX so that their records can also be corrected

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$47.00} XXXX XXXXXXXX Balance : {$47.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This property has been under contract since XX/XX/2018. Select Portfolio Servicing is  the only lien holder. 

SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. 

Can you please assist in making SPS escalate this file? As stated above, the property has been under contract since XX/XX/2018. SPS has been asking documents on a piece meal manner, deliberately prolonging the whole process. We are risking of losing the buyer with a very very good offer because of this. Thank you for your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i do not recognize the account " GE CAPITOl '' represented by XXXX XXXX. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX  or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX  today. Discrepancies are date opened XXXX, date of last payment I never made XXXX. Date of first delinquency XXXX and date reported 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 2018-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have never missed a payment or been late with any of my credit cards. I have never been late with a payment to Bank of America.

Bank of America closed my account. I had XXXX points saved up that I had earned in the account.

Bank of America will not credit my account the points that I had earned.

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 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my 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 2021-06-09
Company: EQUIFAX, INC.
State: NH
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:
credit report from XXXX, Equifax, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I am submitting a complaint against an unfair practice that CapitalOne Credit card is using to close customer 's accounts without any warning due to a returned payment or two. After being a customer of CapitalOne for over 3 years and opening a Secured Credit card, and never having a late payment and generally keeping under my limit for the entire time the account was open, my account was abruptly closed without warning due to 2 returned payments that were made well before the due date and I still had time to rectify and have my bank send a payment before the actual due date. They did not contact me via email or phone to ask the reason the payments may have been returned, and allow me time to fix the issue. All they did was send an email that the account was closed on the same day that a payment was successfully received from my bank. I believe that if a consumer has an account in good standing, with no late payments should be contacted bu a phone call, email or letter warning that if this is to happen again the account could be closed and offer the customer a chance to call XXXX  and explain and fix the issue before closing out an account that is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Richard J. Boudreau & Associates, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Richard J. Boudreau & Associates ( collection attorney ). 

My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. 

I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. 

I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH

Company response to consumer: Untimely response
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: CA
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'm a victim of identity theft I've sent the identity theft report and the police report to Equifax and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but Equifax. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT RECOVERY SOLUTIONS LLC has been in violation of the FDCPA and FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against DEBT RECOVERY SOLUTIONS LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 2018-10-19
Company: EQUIFAX, INC.
State: CA
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 sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.

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