BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flag star bought our mortgage in Fall 2020 and we immediately called them to make sure they had all necessary information for payments, escrow, insurance, taxes, etc. There has been a consistent pattern of Flagstar employees not documenting our calls or the information we give them regarding our loan ( property insurance info, our own contact info, etc. ) and making false claims about contacting us and leaving messages when they have not done so. They are now threatening to purchase their own property insurance for us because they refuse to document the the property insurance we already have with information I have supplied them on multiple occasions which they refuse to document.

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB, PLEASE HELP!!! 

See the attached screenshot that TransUnion has just done. These people along with creditor are ruining my credit and dragging it down into the dirt. This account should not be reporting anything. This account was closed and satisfied years ago. I have never heard of a court named XXXX XXXX. How are these credit bureaus allowed to purposely damage consumers credit profiles. I'm asking For TransUnion and XXXX XXXX to completely remove this account from my credit report immediately or I will be forced to email the State Attorney Generals office here in Florida and show them the proof of what both companies are doing to my credit. STOP IT NOW!!!!

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 2023-03-01
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX  XXXX Collection Account, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX XXXX  plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX, I received a call from unknown number stating that I owed XXXX from 15 years ago from a company called XXXX  XXXX. The Company that called is name. Profit Service Group. 
Iasked them why are they calling me 15 years later about a bill that old. I was told that bill was given to them from XXXX  XXXX on XXXX. 
I asked for them to send me company of bill with date of service. On XXXX I received a letter from Profit Service Group stating that I owed XXXX dollars to XXXX  XXXX. It did not have date of service. The only info on letter was than must paid with in 30 days or it will be put on credit report, invoice number and account number. 
I reach back out to Profit Service Group and spoke with XXXX he refuse to let me speak to Manager, to Discuss this letter request for payment. I then call XXXX  XXXX  to get info through them that stated that they donot have any info with that account number or Invoice number. XXXX recommenated that I call the Profit Service Group back agan, and once again i had no luck with getting info. 

Account number XXXX Invoice number 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 2021-11-09
Company: CITIBANK, N.A.
State: AZ
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:
We received our AT & T UniversalCard ( a MasterCard issued by CItiBank ) statement two weeks ago and noticed a fraudulent charge. I called customer service, reported the charge, and asked them to issue new cards with new account numbers. The representative said no, that was not necessary ( very, very bizarre response -- not something any credit card company has ever done in the history of forever -- HUGE red flag right there! ). Fast forward to yesterday when I was alerted there were a series of additional charges from the same entity, totaling hundreds of dollars more ( yet the rep. said the original fraudulent charge was flagged and being investigated for fraud -- what credit card company lets a flagged entity, one they are supposedly investigating for fraud, to continue to charge the card -- a card they are refusing to close and reissue in spite of all the fraud? ). So I call again, get another rep., literally spend twenty minutes insisting I need the account numbers reissued -- I mean, who argues with a consumer like this when it is OBVIOUS the card is compromised??? This has never happened even with AT & T UniversalCard in the past. Also, it's the first time I've had to deal with foreign outsourced CS reps when dealing with a fraud situation. I honestly believe it's the reps themselves perpetrating the fraud at this point. 

It HAS to be illegal to refuse to close out account numbers and reissue cards in the face of repeated fraud. Also, why are we outsourcing sensitive financial information to bot farms and call centers overseas? This is insanity! 

Anyway, here I am, a couple of weeks away from XXXX travel -- highly anticipated as it may very well be the last time I see my father, and it's the first time I'm seeing my son in XXXX years -- with no viable card ( the card my reservations are charged to ). 

CitiBank has also now made it impossible to log in and monitor activity on my card from my laptop ( something I could always do ). 

I do not understand why they would treat a XXXX long customer with excellent credit, who has never, ever not paid their bill in full every month, like this. It's shocking and dishonorable, and lacks any integrity or decency whatsoever. Shameful, shameful behavior. I will look to my credit union for a new mastercard, will only use financial services entities that protect my information and accounts, and who only use American employees, bound by American laws, as customer service reps ( something I think should be legally required anyway ).

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 2021-11-09
Company: Central States Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a previous complaint to which the company said that all attempts would be stopped. Company still continues to try and contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Got injured  at work in XXXX of last year which caused me to not be able to work. Then filed XXXX  and was trying to make payments but they stopped accepting them and sending them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This complaint is for TransUnion and XXXX. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX  XXXX site on XXXXXXXX19 that they would do. The exact language was " XXXX XXXX between XXXX XXXX, 2019 and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XXXX/XXXX/19, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against TransUnion and XXXX  at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with TransUnion, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.

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 2018-12-20
Company: Nelnet, Inc.
State: MO
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:
XXXX is reporting that I have two outstanding loan balances through Department of Education-Nelnet as of  XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter Nelnet was able to give me ) and my StudentDataDocument from the XXXX XXXX XXXX XXXX XXXX - both showing I have a XXXX balance for all my student loan accounts. 

XXXX  has denied both my disputes saying the information being reported is correct. They have documentation showing Nelnet " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, Nelnet, they are showing they have not reported anything to XXXX  since XX/XX/XXXX. 

When I call XXXX they say that Nelnet is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if XXXX is wrong or Nelnet is wrong but the information being reported on my XXXX  credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called XXXX and Nelnet multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been contacting Equifax for several months requesting my credit report so that XXXX XXXX XXXX can work with me on repairing my credit, I signed up for XXXX XXXX XXXX in XXXX of XXXX and they were unable to get my credit report from Equifax, even still to this day XX/XX/XXXX I am unable to access that report. XXXX is not able to pull that report from them either. I sent a written letter with copies of my identification and social security card to them to verify my identity per their request around XX/XX/XXXX and I am still unable to get access to my report, they told me it would take 3-5 business days originally to process, after speaking to a representative at Equifax today XX/XX/XXXX she informed me that no documents had been received yet and it takes 7-10 business days to receive as well as 7-10 business days to process. I am not sure how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made three purchases at XXXX and XXXX within the same week in XX/XX/XXXX. I used the XXXX and XXXX store card I have through TD bank. I was told my purchases in XXXX could be paid for over 6 months no interest. 

I already had one purchase on my card from over a year prior when I had an 18 month no interest purchase. 

I continued to make my payments as usual for XXXX and XXXX intending to satisfy the first deferred interest balance, then was going to adjust my payment amount to make sure I paid the remaining balance by the end of the new six month period for the new purchases. 

However, without my knowledge or consent, the company applied my payments for XXXX, XXXX and XXXX to EACH NEW DEFERRED PURCHASE instead of applying the payments I made in full to the promotional period ending first. 

I contactes customer service on XX/XX/XXXX to inquire as to why they did this. They then informed me, the the three new purchases each as their OWN MONTHLY MINIMUM PAYMENTS that were taken out of my payment before the amount was applied to the first promotional period balance. I informed them, that this was never communicated to me, and I never agreed to that. Had I known, I would have adjusted my payment amounts to reflect this.

The representative I spoke with, stated to me on that recorded line on XX/XX/XXXX that if I made a payment of {$160.00} that day, they would not charge me the deferred interest. I made that payment while still on the phone with them and thought it was settled. 

In XXXX, I get an email saying my balance is much higher than I expected. And I look, and of course, they charged me the deferred interest. 

I called and spoke with customer service, they said it was too late to do anything and I would have to dispute it. They gave me an email address and told me what to say. I sent them the information via email on XX/XX/XXXX. I heard nothing from them until I called last week to check the status because they still had not adjusted my balance. The person I spoke with on the phone said they had reviewed it and denied it and that it was a " final decision ''. They also stated via email to me today that they sent me a letter on XX/XX/XXXX ( I never got it ) explaining this. 

I called again today because this is unacceptable and all customer service does is tell me they don't have anyone else I can talk to. At every point in my attempt to communicate with this company beyond the front facing customer service I am told I'm not able to speak with anyone.

I resubmitted another dispute via email today, hoping that whoever reads it realizes they are in the wrong, however I have no confidence in this. I can not afford to pay the deferred interest and need them to correct this immediately.

Deceptive marketing practices, improper communication and access to appeals are a big issue here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is keeping to post wrong information on my Credit Report. 
People BEAWARE!!!!! 
Experian post that an account on my credit report have a balance of XXXX on XX/XX/2021 meanwhile in the section that shows " changes '' you can clearly see that my utilization decrease with 65 % and my revolving debt decrease with XXXX... 
The truth is thas this account have a XXXX balance With all of this that my utlization and revolving debt decrease, Experian drop my credit score with XXXX point .... This a clearly sign of all of their bad and wrongfully parctice against costumers

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 2019-05-16
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was with XXXX. It got transferred to Loancare because XXXX filed for bankruptcy. With XXXX, I had enrolled for direct withdrawal of monthly mortgage from my bank account. 

Loancare sent a letter detailing the new account number. The letter also had payment vouchers asking me to make the next mortgage payment along with the payment vouchers. I assumed my bank details are not transferred from XXXX to Loancare and hence they are asking me to send payment along with the voucher. 

After the above payment was made and credited to my mortgage account, Loancare sent me another letter saying that my morgage payment will be withdrawn from my bank. Apparently my bank details were transferred from XXXX to Loancare. I have tried calling Loancare customer service couple of times. After waiting for an hour on line, I gave up both the times. In the meantime, my bank account was debited for 2nd payment this month. I have sent them email ( including to C level executives ) requesting that refund of the 2nd payment because I need it to pay my other bills for the month. There is absolutely no response.

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 2019-05-16
Company: EQUIFAX, INC.
State: GA
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 recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEP ED, DPT EDXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXX XXXX. INQUIRIES : 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, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
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: Investigation took more than 30 days

Complaint:
I have reached out to XXXX several times to have this inaccurate inquiry removed from my Equifax credit report. i sent certified mail on XX/XX/XXXX, XXXX it has now been over 30 days and i still havent received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 I never applied for any of these accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, these 5 accounts I never applied for these I was XXXX I left my car with my daughter and she was paying my car on time. please delete my lates and remove these accounts please its not mines. Please I promise you. My attorney gave me this site to help me. XXXX bless

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