BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX XXXX XXXX I deposited a XXXX check into Regions Bank in the amount of {$40000.00}. Regions put a hold for 10 days due to suspicion of check being payable. On XX/XX/XXXX funds were made available however a second hold was put on the account for reasons not disclosed. I have called corporate, customer service and gone into several branches to withdraw funds but have been denied. XXXX XXXX put bank manager on notice that by holding funds past 5 business days he was in violation of Law in the Expedited Funds Availability Act of 1987 which he acknowledged he understood but advised the security of the bank was more important and superseded my rights and rights to funds. 

Regions and its agents conspired to unjustly withhold funds over 5 business days, committed deceptive banking practices and presented willful misinformation regarding my account by lying to me about check status from issuing bank. They have taken the stance and put me on notice that I am suspected of committing criminal activity and have ceased to deal with me as a customer. 
As of XX/XX/XXXX I have had no resolution.

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 2020-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 notified TransUnion, that ALL the other major, and ALL the other minor credit card agencies are reporting my student loans CORRECTLY. 

My student loans are Current.

My student loans are NOT derogatory.

I supplied transunion with copies of FEDERAL statements, showing that my student loans ( XXXX  ) are current.

I supplied transunion with 2 other FULL credit reports from ( XXXX  and XXXX  ), showing CURRENT student loans and NO derogatory student loans.

Transunion is reporting my XXXX  loans as SATISFACTORY ( in their satisfactory section ) and SIMULTANEOUSLY reporting my XXXX  loans as Derogatory, in their derogatory section.
This has lowered my credit score substantially and is affecting my ability to get housing and installment loans.

I sent Transunion, the documentation, by CERTIFIED MAIL and have the certified mail receipt, dated XX/XX/2021 Transunion NEVER responded, since XXXX, which is greater than 120 days. 

The false information is STILL on the Transunion 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 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
overpayments made in XXXX and XXXX XXXX were misapplied and placed in unapplied funds instead of being applied to the principal. I have called several times and filed a complaint with the cfpb in XXXX XXXX requesting the money from unapplied funds to be applied to principal and capital one has failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: PA
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 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-01
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is related to a refinance of a condo in North Carolina with Mr. Cooper ( Nationstar Mortgage ). 
The purpose of the loan was to refinance and remove XXXX borrowr ( ex wife ) from note and title. 

The Closing was remote taking place with a notary in Maine who came to my house and my ex-wifes house for signature. 

The closing was on XX/XX/XXXX with disbursement on XX/XX/XXXX ( this is an investment property and I signed after XXXX PM ). Settlement Agent was XXXX XXXX XXXX. 

On XX/XX/XXXX i recieved an Email from the title agent that a date was missing from a document and that my loan had not funded. The agent said the lender was requiring this document to be printed and dated ( by me ) and sent back to the lender via email before funding could take place. 

I work in XXXX, and have never heard of funding being held up for a missing date on the Borrowers Emploment Attestation. Couple things on this : 1 ) I was counting on the 1,000 from funding from a finamcial perspective. This caused issues for me as I was counting on that to be in hand.

2 ) The notary hand dated all the documents before we signed. My assumption is that he missed this document. My feedback would be to ( 1 ) make sure to date them all ( to the extend that is permissible ) and also review eaxh document in real time at closing to confirm proper execution.

3 ) I was on vacation wheh this all happened and the day I was home i printed the doc at XXXX  ( had to drive 20 minutes each way ) and sent back. 

The loan was funded on XX/XX/XXXX. The processor was good through this process, but I felt this might be a violation. Holding up funding for a bank/title agent error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have used a capitalone card for online purchase of {$3100.00}. I never received the merchandise so I disputed. Later the merchant responded stating the items were behind. I called the credit card company in beginning of XXXX and said what the merchant have responded. I was following up with capitalone and no where they have told me that there is a deadline for the dispute and failed to mention it. I've called couple of times and one of the agent advised me to email the correspondence from the merchant. I did email that to capitalone email provided. I've received the letter on XXXX that capialone is stating that I no longer want to dispute the charge and where that comes from after sending the proof of email communication between me and the merchant. I've called in today XXXX and capitalone agent is stating they can not help me with the dispute so I told that I like to talk to the supervisor and got XXXX with ID number XXXX. I've explained to XXXX and his record shows the call on XXXX and after that was on XXXX. I have asked him that you do not have any information about this case what I was going through including the email correspondence sent. He stated no record showing and I was totally broke down. He keeps saying they can not do anything. This is a lot of money for me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 explanation
Consumer complaint received 2022-04-01
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: Information belongs to someone else

Complaint:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am appealing the Loan Modification Agreement Terms and asking for further assistance. Again, I am writing to save my home at XXXX XXXX XXXX XXXX XXXX, La. XXXX. I am asking that you reverse and remove all pre-foreclosure charges and stop the foreclosure procedure and cost while we began to work through a viable financial repayment plan that will allow me to save my home of 20 plus years. I will not be able to make a balloon payment of {$58000.00} after paying you for 18 years more than the 20 years that I have paid you. Last year, I also paid a {$7800.00} payment which included previous mortgage payments, late fees, server fees, other fees, inspection fees, attorneys fees, sheriff fees and additional fees. I would like to have the {$7800.00} money applied to back payments only to reduce my loan. I am trying to save my home and I am unable to do so with the surmounting fees.The goal of paying the mortgage is to retain my home. Home retention is what I am fighting for. I qualified for a loan modification since XXXX so I am requesting that a lower rate be retroactive to XXXX and applied to the loan and reduced the mortgage. Was this loan originally with SPS or transferred as a servicing mortgage? When? I am requesting those documents.I am requesting that you send me original documents with letterhead that just states that SPS is servicing this loan. I am requesting original documents that are readable. I need the entire loan package. I would like a Loan Modification Agreement that I can afford on a XXXX XXXX monthly income check. I am requesting a lower interest rate. I have a rate of 8.50 %. Please help me to save my home of XXXX plus years with your company. I have been paying this loan for nearly 20 years and owe more than the initial loan amount. I do not want to lose my home or the opportunity for a repayment plan. I am a XXXX XXXX XXXX Veteran who served in the XXXX XXXX a XXXX years old. I am still receiving 24 hour hospital care for the past 10 months after suffering 3 XXXX in the last 12 months and two more XXXX in 24 months. I currently receive XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I need an affordable repayment plan with a new mortgage rate to keep my home while continue to heal and before I die.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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 is missing that should be on the report

Complaint:
I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-26
Company: JPMORGAN CHASE & CO.
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:
I opened a mortgage with Chase in XX/XX/XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While XXXX and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately Chase and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XX/XX/XXXX I XXXX and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared XXXX XXXX XXXX XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and Chase directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over 22k dollars which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Other XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: AVANTE
State: PA
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:
A account with Avante that I settled with them XXXX XXXX with a payment of {$590.00}, is still showing on my credit report as being unpaid an open, I called Avante several times and they are refusing to take it off my report even thou the bill has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: PA
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 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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