BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: AL
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:
Account was charged off in XXXX of XXXX same account was later charged off again in XXXX of XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no knowledge of the accounts and inquiries 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 explanation
Consumer complaint received 2020-05-01
Company: BANK OZK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a land purchase mortgage on XX/XX/20 to the Bank of the Ozarks with XXXX XXXX. Application was sent via email. XXXX asked for sales contract, photo ID and mortgage statements with the application. 

On XX/XX/20 underwriting begun and XXXX XXXX emailed me asking for tax returns, w-2s, and pay stubs. A loan estimate was emailed the same day with terms for a 25 % down payment. 

On XX/XX/20 the loan estimate with the 25 % down was signed after I received an email with a counter offer for a loan with 40 % down asking me to accept or decline. Never received 2nd loan estimate. 

On XX/XX/20 email XXXX XXXX about why down payment changed significantly. He responded that the file noted past delinquent credit obligations with others. I asked whether the credit score of XXXX was within the guidelines used by the bank to issue loans for these types of purchases. He responded yes. 

I didn't understand why the down payment increased dramatically since the bank had the credit information, income verification and that information had been reviewed before the 25 % loan estimate had been created. I escalated to XXXX XXXX on XX/XX/20 because I was concerned about the transaction. 

I received a correspondence from the Bank of the Ozarks on XX/XX/20. The correspondence was dated XX/XX/20. The correspondence more information about the decision to counter offer. 

My last conversation with XXXX was on XX/XX/20. He advised me that his Bank 's procedure is to not underwrite before a loan estimate is issued, that credit reports and underwriting is only done after a signed intent to proceed, and the bank makes 40 % down loan offers to applicants with XXXX credit scores. No one with credit score of XXXX or below receives 25 % down payment loans for this type of transaction. 

There were other individuals that applied for the same type of loan during the same time period. 

I am an XXXX XXXX male concerned that I was treated differently during this transaction, and am asking that the Bank honor the terms of the first loan estimate, because I was truthful about everything that was on my application and nothing changed between the time of application XX/XX/20, underwriting XX/XX/20, the loan estimate, XX/XX/20 and the counter offer XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/2019 I submitted the necessary documentation for renewal of my IBR. On XX/XX/2019 Navient sent me a letter stating it's approved and that my new payments plan will be sent to me after XX/XX/2019. ( See attached ) However, Navient has not sent me this new payment plan. 

Please have Navient send me the new payment plan as they are required to do under Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I recieved a call from a process server about paperwork for a civil suit. I got the law offices information from her. I called the law offices. This is about a payday loan taken out on XX/XX/2010. I have NEVER taken a payday loan out. I have had a title car loan with XXXX XXXX that was paid off in full. The name of the company who sold " my account '' to the law firm of XXXX? XXXX? and XXXX? ( XXXX ) case number XXXX is Ace Cash Express. Again I reiterate that I have not done business with these people ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$24000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We asked Fay servicing for a modification to our mortgage on XX/XX/XXXX and confirmed receipt of all documents. We received an email from XXXX XXXX on the XX/XX/XXXX asking for additional documents, which I provided the same day and receipt was confirmed. I was told we would have a determination in 30 days. I have asked repeatedly, and have not received a response. I am an employee of the US Government ( Department of State ) and have been stationed overseas until very recently, thus, my home has been rented. Our tenants broke the lease, therefore we do not currently have the income to pay the mortgage at the current payment, we have been behind on payments since XX/XX/XXXX. We have had difficulty finding new tenants, and have just had a new lease signed beginning XX/XX/XXXX so we do not need a long term solution. In order to keep my security clearance ( which is necessary for my job ) I have to keep my payments current and have asked Fay Servicing to assist me with my extenuating circumstances. They have been non responsive and unhelpful, and I am hoping you can help mediate the situation and hopefully expedite a solution that we can be satisfied with. 

I can forward you the documentation I provided, but it will not allow me to put it in the field below due to the file size. If someone can provide me with an email address, I will forward it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification with my current mortgage holder Select Portfolio Services. I was told verbally that the trial modification was approved. I waited for the paperwork to evaluate the terms. It never came by US Mail. Therefor I requested that the paperwork be sent via fax. It was received on XXXX. I asked my family attorney to review and thinking I had until XXXX to make my first payment. I was told on XXXX, as I called the company ( SPS ) to ask a question in reference to the terms that they closed my modification on XXXX. I feel as if due to the delay I receiving the paperwork and allowing the time for review I should at least have until XXXX to make my first payment. Please assist and or advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly a charge-off for the XXXX partial account number XXXX. This account was included in the bankruptcy and should be reporting a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. This account either needs to be taken out of charge-off status and report a {$0.00} balance and {$0.00} past due, or be removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX Transunon ), XXXX Acct XXXX ( XXXX, XXXX Transunion ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX  transunion ), XXXX XXXX XXXX XXXX Acct 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 2018-08-10
Company: Experian Information Solutions Inc.
State: TN
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX  XXXX  ), XXXX Acct XXXX ( Experian, XXXX  XXXX  ), XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( experian ).

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 2021-09-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer is Mr. Cooper and recently they have been incorrectly applying our additional principal-only payments. It went unnoticed until it happened for the second time. We made an additional principal-only payment of {$2000.00} electronically and instead of Mr. Cooper applying it directly it to the principal balance, they made a monthly payment of {$1600.00} and additional principal payment of {$310.00}. They then reversed both payments and applied them to the principal in the same amounts ( {$1600.00} & {$310.00} ). This same exact thing has happened two more times, consecutively. Doing this pushed our monthly payment back further because it was incorrectly processed and applied. Although the sum of the two amounts equal {$2000.00}, the way these additional principal-only payments are being processed is unethical and frustrating. Upon calling and speaking to customer service representatives, we have been told that there is " a glitch in the system '' and our account is being notated. We were also told we would have to continue to call to get the mishandled payment situated each time we make an additional principal-only payment. I am demanding Mr. Cooper be investigated and chastised because this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting in XX/XX/XXXX through XX/XX/XXXX, TransUnion Credit started taking XXXX from my debit account w XXXX XXXX XXXX  for surveillance of my bank account. Unauthorized. Search of XXXX showed they did this from XX/XX/XXXX through XX/XX/XXXX and were fined and placed in consent decree by CFPB TO STOP. They were fined XXXX $ million plus for defrauding consumers.I WENT TO XXXX and they canceled my account TransUnion took {$310.00} from my account and sometimes left me w no money. See XXXX  : XXXX Additionally on XXXX XXXX. XX/XX/XXXX they were complaints exactly like this in discussion. 
I believe TransUnion are violating their consent decree. I believe they are defrauding millions of consumers again.

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 2021-06-23
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
COMENITYCAPITALBANK/ULTA- XXXX XXXX XXXX XXXX  , OH XXXX Phone number not available Date Opened:XX/XX/XXXX Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Date Updated : Payment Received : XX/XX/XXXX {$0.00} Pay Status : charge off Terms : Date Closed : XX/XX/XXXX XXXX I filed a police report for ID THEFT AND THEY WERE SUPPOSED TO CLOSE IT I NEVER OPENED THE ACCOUNT THEY SAID THEY WOULD CLOSE IT IVE BEEN REPORTING AND COMPLAINING SINCE XXXX! This needs to come off my record!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2014.

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 2018-03-17
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me. 
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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 information incorrect

Complaint:
I have sent more than 7 letters to Transunion LLC - XXXX and XXXX  notarized and even certified letters and they still don't see to resolve these issues, list of accounts are below, they don't even have proof or documentations these accounts belong to me : XXXX XXXX : XXXX The account type is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX/XXXX  : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

XXXX : XXXX The account balance is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The account status is inaccurate, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete.

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 2021-09-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.

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 2021-09-20
Company: Affirm Holdings, Inc
State: MI
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:
Ive tried to contact this company many of times in regards to balances says I owed them. Ive sent letters and called to explain Ive been a victim of identity theft and those accounts Ive never had nor open with them. I even asked for verification and nothing. Yet this company affirm is still reporting negative on my credit report and its damaging it severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Sequium Asset Solutions, LLC
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 status incorrect

Complaint:
On XX/XX/XXXX I entered into an agreement with Sequium Asset LLC for the debt that XXXX XXXX XXXX had sent them. I had not known this bill was not paid when we changed services. I entered into this agreement when I was told this would not affect my credit due to the payment arrangements and made the first payment in XXXX. In XXXX they reported the full debt to my credit report, that I had made no payments and made no payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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 2021-01-26
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation