BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am enrolled with XXXX XXXX for biweekly mortgage payments, but this month XX/XX/XXXX my mortgage has not been paid. When I called XXXX XXXX the first time I was told my payment will post to my mortgage company in 2 business days, when this did not happen and I called again I was told the same thing. The third call I was told the same thing so I asked for the supervisor, and asked for my money to be returned to my checking account. I was assured that this will happen in 2 business days and post in my account on XX/XX/XXXX When I did not see the money in my account on this date I called back and was given XX/XX/XXXX as the date when I will get my money. I was on the phone about 45 minutes between holding and being transferred to the supervisor who really did not seem to care. I asked to speak to someone higher up, but I was told that the supervisors were as high as I can go. It is the end XX/XX/XXXXand they have not paid my mortgage or refunded me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2018-04-11
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We had an auto lease with Chase that has already ended. We returned the car and we were already expecting a bill which was related end of the lease fees. We had no problems with the bill since those were valid charges. The problem is : we received a letter ( from Chase ) in our mailbox on XX/XX/XXXX ( which was a Sat ). The letter dated XX/XX/XXXX. The letter stated that we could chose a payment plan, which I did when I immediately called their collections department on Mon XX/XX/XXXX. I made a payment of {$180.00} ( reference number XXXX on XX/XX/XXXX ) and I agreed to pay the other two payments on XX/XX/XXXX and XX/XX/XXXX. A week later, after agreeing on a payment plan, they call me on my cell phone saying that there was a balance due immediately. I questioned the representative asking if my account was notated, showing that I had selected to pay the balance in 3 installments ( one of them already charged ). they representative said yes. So I asked her to notate my account and not call me again since I would honor the terms of the payment plan. We are not even at the end of XX/XX/XXXX yet and I have already received another letter from Chase saying that a balance of {$370.00} id past due and that I have to send a payment and that they HAVE NOT RECEIVED THE PAYMENT YET ( which is false ). If they offer a payment plan they should not be harassing their customers with letters and phone calls requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX when I received a copy of my credit report I noticed I have a XXXX account sent to collections for an account #, phone # & debt amount {$660.00} I never knew about or have had, I tried to contact XXXXS financial dept, fraud dept, etc. & keep getting transferred from one department to another & getting the run around on this matter. I have had my current account # & phone number since I first received my services with XXXX XXXX in XX/XX/XXXX nothing has ever changed/added to my account it has been the same since. I have all my bills since when I first got services with XXXX XXXX on the same account # & phone # not once did I receive a payment with that other account I never had any knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: EQUIFAX, 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:
On XX/XX/2018, an unauthorized inquiry was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sold our home on XX/XX/2018. Temporarily moved to XXXX and had a forwarding order for all mail. Assumed Ditech would mail our escrow refund check to our old address and it would be forwarded by USPS. They somehow updated their records with a new address for us ( NOT AT OUR REQUEST AND NOT A CORRECT ADDRESS ) and mailed the refund on XXXX to that incorrect address. 

Sent multiple emails through their secure message server - it sent me emails saying they received my email and are looking into it but no one ever responded or contacted me in any way. 

Called XX/XX/18 and spoke with XXXX who said she would request the check be reissued and sent to new address. Updated our address ( AT OUR REQUEST ) and stated it would take 7-10 days Called XX/XX/18 and spoke with XXXX. Said she could " see '' the request to issue check but it had not been issued. Stated the deadline was today for reissue. No action XX/XX/2018 called and spoke with XXXX who said it was not reissued yesterday ( their deadline not mine ) and that it " should '' go out this week XX/XX/18 called and spoke with XXXX - she states she can see the request but it has not been cut. 

XX/XX/18 called and spoke with Ms. XXXX - still not cut but again states it " should '' go out this week. It is Thursday already! 

Ditech Mortgage has had {$3300.00} of my money for over three months now and will NOT resolve this issue. This is a very simple transaction of an escrow refund check that WAS NOT CASHED and just needs to be reissued and mailed ....

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I contacted Specialized Loan Servicing LLC 4 times by phone to dispute an increase in the mortgage balance they were reporting to the credit bureaus. On XX/XX/XXXX I contacted SLS by phone to dispute another increase in the mortgage balance they were reporting and was told that I needed to file the dispute in writing. I then sent a written dispute via email. XXXX attached ). I also filed disputes with the three credit bureaus. SLS corrected the balance they had reported to the credit bureaus. Today, XX/XX/XXXX, I noticed that SLS has again reported an increase in my mortgage balance ( XXXX ) to the credit bureaus. This has had a severe negative effect on my credit rating and has taken place 3 out of the past 4 months. This is unacceptable!

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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. A BANK OF AMERICA CARD WAS OPENED UNDER MY NAME BUT IT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS ACCOUNT SEVERAL TIMES AND UNFORTUNATELY NOTHING IS BEING DONE. WHEN I CALL CUSTOMER SERVICE AN ACCOUNT UNDER MY NAME IS NOT EVEN LOCATED I AM TOLD ITS AN AUTHORIZED ACCOUNT. THIS ACCOUNT IS NOT MINE AND I HAVE SENT ALL DOCUMENTS NEEDED TO PROVE THIS DOES NOT BELONG TO 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 2020-01-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have tried to have old auto debt removed from my credit that was not authorized by myself. Company would not help thay keep reageding the debt to collect further out. Would like removal from credit before litigation proceedes further. Have tried to dispute properly woth XXXX  but they are on the side of the auto company. Please help. Have had removed properly from other agencies. Documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were switched over to Shellpoint in XX/XX/2018. I had currently filled out a packet because we flooded here in XXXX, LA and got behind on the mortgage. They told me I was approved and if I made 3 payments of XXXX dollars, then they would add what I was behind on, to the end of my mortgage. I paid all 3 of them and now I get a certified letter saying Notice of Default and Intent to Accelerate. I googled this company and they have really bad reviews. They have been turned in to the XXXX multiple times. The amount owed is {$7800.00}. They did not keep their word! I cant talk to anyone when I call. No one answers half the time. I get no answers. I can't lose my house! I did exactly what they told me, and I'm still going to get my house taken away. Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent a dispute to Equifax in regards to a fraudulent, unauthorized, collection account that is on my credit report. I wrote a letter stating that the account did not belong to me and indeed was a fraudulent account. I sent over the FTC Identity Theft report Affidavit as well as a police report, copy my credit report with the fraudulent account highlighted, as well as section 605 ( b ) from the FCRA.. On XX/XX/XXXX I called Equifax to check on the status this claim and I was told that they could only see the affidavit and they would need me to submit another copy of the police report. On XX/XX/XXXX I sent over not only a copy of my police report but also a copy of my credit report with the fraudulent account highlighted, a copy of my identification, a copy of the affidavit, as well as another copy of section 605 ( b ) ... On XX/XX/XXXX I call and Equifax and no one is able to assist me ... They kept telling me that it was in dispute but per the law it has to be blocked in 4 days while there is an ongoing investigation .... I am attaching a copy of my police report, affidavit, copy of identity theft, as well as a copy of the 605 ( b ) section ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a XXXX XXXX credit card in my name. I have spoke to the collection company and told them that I was NOT the person who opened that account and that I only WORKED for XXXX XXXX back in 2002. For some reason, there is a XXXX dollar collection from it. IT. IS. NOT. MINE!

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 2018-07-10
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: 1st Franklin Financial Corporation
State: SC
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:
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

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 2019-02-07
Company: ALLY FINANCIAL INC.
State: GA
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:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
In XXXX of 2019, I discovered I had been a victim of identity fraud. A handful of credit cards had been opened in my name. I contacted all 3 credit bureaus and most of the information was removed from my credit report. I tried to open an XXXX XXXX today and I was declined after being told my Experian report has a derogatory remark attached to it. I called Experian and they told me it has to do with a credit card opened with XXXX bank in 2019 which they have refused to close. I have no knowledge of a credit card opened with XXXX Bank. All credit cards opened by me are being paid regularly and I have never had a late payment as is reflected by my credit score in 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 2021-09-08
Company: Santander Consumer USA 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The lender deleted tradeline after I have made 65 months of payments in good standing which took my credit score down 100 points causing me not to be able to make home buying purchase and shows poor credit standing plus company charged me late payments and has over charged my account over the last 3 years I have made {$60.00} per month over the regular balance when I called the company they refused to assist and stonewalled and was confrontational the company admitted they deleted the tradeline and the was a cease and desist put on my account that i did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment online and whoever enter the information at Select Portfolio Servicing enter the account number incorrectly ( I am at a loss to understand why the information had to be manually enter by the mortgage company ). The reversal was enter as an NSF.

I was called and gave the customer service agent my correct account number and she verified in multiple time. Again it was entered incorrectly when Select Portfolio Servicing attempted to collect the check. It was entered again as an NSF, I have talked to three customer service agents and was told it could not be changed.

I then called the SPS Consumer Ombudsman Service, and again was told it could not be changed as NSF mean many things to Select Portfolio Servicing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation