BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NY
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, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I have a home in XXXX North Carolina, which is mortgaged through SLS Mortgage Company. I have been trying for several months to get SLS to drop the PMI from our mortgage but they will not respond to our requests. We have invested XXXX in improvements to the home which has increased the value significantly. My wife and I have called several times, weve sent in all requested letters but have gotten zero response from SLS. We would appreciate any help you could offer on this matter. Please see attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to deposit my money onto the crypto.com exchange XX/XX/22 and still have not received my funds. 

Customer service has been terrible! 
They refuse to tell me why my funds are frozen, and will not give me a timeline as to when I can get my funds. 

I have been reaching out to them every morning, and I was reprimanded by customer service for being a hassle!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: VA
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 report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: VA
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 DISPUTE THIS ON XX/XX/XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XX/XX/XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH EQUIFAX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XX/XX/XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XX/XX/XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XX/XX/XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY XXXX CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY EQUIFAX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments to XXXX XXXX Experian for XX/XX/2021 and XX/XX/2021 meanwhile all the payments on time sending screen shot of credit report and bank statement. XXXX service agent i spoke to her XX/XX/2021 at XXXX and she couldn't help did not understand the problem.this company doesn't have service for automatic payments every month and they charge you for calling in and making payments.

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 2022-04-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, my husband and I applied to BMO Harris for a mortgage loan for fha due my my lower credit score of XXXX, we had already been in the market looking at other banks so I know what my mid scores are and I figured I worked for this bank and they have special discounts for employees, so we wanted to apply. As always I do my research to see what banks credit score requirements are for fha loans, and on BMO Harris website, it states a minimum score of XXXX ( I have that ). So we applied! I got an email from a loan officer by the name of XXXX XXXX, that said, Unfortunately my score is a XXXX ( this I knew already ) and it has to be a XXXX. I then responded even for fha loans? She replied, yes if Im a first time home buyer I need a XXXX. I then proceeded to tell her that BMO website stated otherwise which showed a XXXX credit score and advise her that if that was a requirement that should have been stated in the website where I would have reconsidered applying knowing that I dont meet the requirement and would have never took the time to apply and have my credit ran for a another ding to my credit report! She had yet to respond back!

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 2022-04-08
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # 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 2019-10-12
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-12
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was injured in a slip and fall upon private property and the property owner of insurance supposed to have covered all medical bills. And now the debt collect are billing me or coming at me for unpaid bills. Due to my injuries I personally suffered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 charged two rooms for one week on my Capital One credit card for an all inclusive resort ( XXXX XXXX XXXX  XXXX XXXX ) on XXXX XXXX, XXXX for a vacation for myself and family to arrive XXXX XXXX, XXXX for {$5900.00} each for a total charge of {$11000.00}. 

Due to Covid, we had to cancel our reservation on XXXX XXXX, XXXX, and XXXXXXXX XXXXs promptly gave us a full refund for both rooms ( i.e., two separate refunds for {$5900.00} each, which is where I think the problem started ), for which I have written proof. 

Capital One only processed one of the refunds for {$5900.00} and for the past 3 months has refused to acknowledge their error. The issue here is NOT with the merchant. They have been very forthcoming about their having submitted two refunds, not one. 

I have sent documentation of proof of all of this to Capital One and have gone through their lengthy complaint process, all to no avail. They do not seem to realize that the issue is with them, not the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've disputed these accounts multiple times and they are still illegally being furnished on my credit report. XXXX even removed an account THEN put it back on my report with absolutely no explanation.

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 2017-12-30
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: Was not notified of investigation status or results

Complaint:
Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates

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 2022-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was told to send a friend money from their cousin, so I did so and a month later the cousin refuted it as fraud so the bank reverse the credit and XXXX dollars was taken out the account but now the cousin got XXXX and my ex friend has 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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 was victim of identity theft while working temporarily in the Mississippi area, someone opened a XXXX account with my information and defaulted on service bill, went into collection and is on my Transunion Credit Report - AGAIN. I called XXXX and resolved, they were to notify Collection Agency and fix - both XXXX  and XXXX  fixed this erroneous information, Transunion either did and brought it back or did not at all. Still shows derogatory in collection for account that is not mine. 

I discovered this after getting notification someone tried to open an XXXX XXXX XXXX account in same area of MS , I was able to stop that. I have since locked all my credit accounts, I need to open them in order to apply for credit. While trying to get a new credit card where they use Transunion and my score was notably lower than that of the other two agencies, I discovered this inaccurate information. I am 730+ on other two and only XXXX with Transunion and need 720+ with them for a 7.45 % interest rate card with my Credit Union - quite tired of the inaccuracies of these credit reporting agencies that have us by the 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 2022-04-08
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to another processing company for First Community Mortgage. I mailed in my first payment to XXXX, as directed in the letter I received regarding the transfer. The payment cleared my account on XX/XX/2022. I have called the processor 4 times to ensure that my payment was processed correctly. I have been informed that there is no action I can take to ensure that the payment can be applied correctly until the end of the month. In fact, each time I have called, a customer service rep has informed me that I have a payment due on the first of XXXX. I spoke with a customer service supervisor named XXXX on XX/XX/XXXX and was informed that I have no ability to speak to anyone over him to ensure that the payment is applied correctly. He would not give me any information on who his supervisor is, when the supervisor would be coming to work, or even just the ability to leave a voicemail for his supervisor. Each time I called this company I was given different information as to when the payment would be credited to my account. It concerns me that there is no redress for poor customer service with First Community Mortgage and their processing system. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Key 2 Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I graduated from XXXX XXXX and University in XXXX, Ohio in XXXX. When I graduated I received a notice I had an outstanding balance of {$3300.00} from courses I had to repeat. The Financial Aid office failed to mention that my scholarship did not cover the entire class. Then I collection email from key 2 recovery for {$4200.00} and I was just finishing school which I actually finished in XX/XX/XXXX. I asked them what was the additional amount for and they said collection fees. I told them how is that possible when I was never told there would be collection fees. They started harassing my wife and my family to get in touch with me. I was not working at that time and I also asked for them to send me a detailed billing notice for the charges. Fast forward to XXXX of XXXX. They contacted my wife and said her paycheck would be garnished for my debt because I was her husband. They sent an email stating we could not pay via checking account or debit card that we had to wire the amount to Key 2 Recovery at XXXX. My wife then asked could we mail payments and they said no it had to be a wire transfer to make sure they received it and that we didnt say we mailed it but really didnt. My wife sent {$4700.00} over 8 months so they wouldnt garnish her checks. We received an email on XX/XX/XXXX stating we still owed {$900.00} in late fees, cumillated taxes and penalties and court costs and I could not receive my degree until it was paid in full. I contacted the school and they said they havent received a payment from key 2 recovery as of this date. I informed them of what we have paid and they told us to contact the company. I contacted the company again at XXXX and asked to speak to our collections agent XXXX XXXX. he stated he would contact the school to clear this up. He called again and left a message for us to return the call at XXXX and we still have yet to hear anything.? i want my diploma and our receipts asap. and this to be cleared up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Fidelity National Information Services, Inc. (FNIS)
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:
My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with XXXX XXXX and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as XXXX XXXX   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

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 2017-10-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for American Express Gold Delta SkyMiles card on XX/XX/XXXX. I applied under company advertise saying XXXX delta airlines bonus which was published online and also advertised in XXXX flight. I applied and was approved and received my card in 2 weeks. Card required me to use > XXXX $ in first 3 months to receive bonus miles. I actually used > XXXX in first 2 months and did not receive bonus miles. WHen I called American express company, I was told, ' We do n't guarantee bonus miles to everyone and give the bonus on the case by case basis. I applied for this card back in XX/XX/XXXX but I cancelled the card before I received it and never received the card. I had never owned gold delta card before, never used it before and have never received any bonus miles on this card. However, American express company is denying to offer me bonus miles ( XXXX, which is worth about XXXX to XXXX $ travel ). When I called and requested to talk to their supervisor, they hung up the phone on me and on calling again on waiting for 50 minutes on phone, they are not connecting my call anywhere so I can talk to anyone. I am not sure what I can do at this point.

Company response to consumer: Closed with explanation