BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: CO
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:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I ask capital one for a credit increase last week on XX/XX/2019 and my credit increase was decline due to unfair practices with this bank. When I contacted the Bank on XX/XX/2019 I was rudely treated by a customer service agent with a high language barrier, so I asked to speak to a supervisor and she was so awful and rude and she also mention that she could not explain to me as to why my credit line increase was not granted. I also ask her to review the letters that the bank send to me and she was not able to see that from her side. I was like how can you not see what your bank send me. this is terrible service and the was I was treated was terrible. Capital One need to improve their customer services and train the leaders better,. My credit score is XXXX and I have 15-20k credit limit with other bank. Only Capital one was the one that decline me an increase for a silly reason. I will be closing this account if I don't get my credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter o XXXX on each attempt dated XX/XX/18, and XX/XX/18 for proof of claim of the alleged debt that they claim I owe to their company and that is appearing as charged off on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX have been reporting an alleged charged off debt to the credit bureaus as verified after each letter was sent out and I am asking that the alleged account be deleted. 30 days has passed each attempt to retrieve the information and XXXX failed to adhere to the request of documentation but continue to report the alleged debt. The account was never verified nor validated. XXXX sent a alleged bill and followed up with a letter stating that they no longer have the alleged application on file due to a retention period passing and offered a cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: WA
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 was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

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 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Today I received a notice form XXXX credit Bureau that they finished my investigation on the Capital One account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against XXXX as well as Capital One because I have been denied loans because of this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
TD Bank is blocking my access through XXXX account. I called TD Bank customer service to rectify the issue but was advised to call XXXX. As per my conversation with XXXX TD Bank is the one that is blocking my account access. TD Bank customer service rep was n't helpful at all and was rushing to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ProCollect, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Pro collect incorporated refuses to send validation for debt, refuses to take my call ( leaves me on hold )

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 2020-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is refusing to unfreeze my credit report. I tried online, it didn't work. I have called 6 times, been hung up on 6 times. Then I finally called the corporate line, got transferred to a person, she said her computer froze and then " transferred '' me but actually hung up on me. I called back again and was told that I failed the questions ( the ones that I didn't answer because her computer froze ). Then was told that there was no way to unfreeze my credit report. This is absolutely 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 non-monetary relief
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At last payment, after 30 years of direct deposit payments, Wells Fargo put s lien on my home for {$150.00} I was never billed for.

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 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a targeted offer in the email ( deposit {$20000.00}, get {$200.00} bonus ). I decided to take advantage of the offer and headed to my local BoA branch, where I spoke to a banker. I inquired whether I was eligible for the bonus ( we used to have more assets at BoA prior to receiving the offer, but we moved them a savings account in a different bank, which at that time had an APR of around 1.8-1.9 % ) because one of the points in the fine print stated that the money deposited could not have been previously held in my name. Looking at my account, the banker assured me that I was indeed eligible and that I would receive {$200.00} bonus after depositing {$20000.00} into the account. The banker enrolled me in the offer, I deposited the money on and kept it for the required period, but never received the bonus. If I didn't think I was eligible, I would not have move the money from 1.8-1.9 % to 0.01 % account - that would not make any sense. 
I called the customer support and was informed that I was never enrolled and even if I was, I would be ineligible for the bonus. This was in contrast to what the banker said. However, the banker was unresponsive to my email. 
I feel I was misled by the BoA representative ( either intentionally, or by neglect ) and I would be grateful if the offer was honored. Alternatively, I would like to receive the compensation for the interests I lost by moving the assets from a higher-yielding savings account to BoA for the duration it was held there ).

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 2021-10-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Evening. I am reaching out because I received a letter from Enhanced Recovery Company LLC. They are contacting me about a debt that does not belong to me at all. This account was previously with XXXX XXXX XXXX around XX/XX/2020. I disputed it and provided them with a police report. They removed it. Now it appears that it was sold to ERC LLC. I don't appreciate being contacted about a dept that doesn't belong to me and that is fraudulent. I have disputed the validity of this debt and now I am submitting a complaint in regards to this issue. I do not owe anyone XXXX with a reference number of XXXX. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.

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 2020-10-08
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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 2020-10-08
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Complaint against : Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX United States Lender NMLS ID : XXXXopens in a new window NMLS Consumer Access XXXX  Dates of Offenses : XX/XX/2020 through XX/XX/2020 To Whom it may Concern, I am writing this complaint in great sadness and distress. I have served my country for eight years in the XXXX XXXX XXXX XXXX with multiple XXXX  tours ; I have also been in XXXX XXXX  XXXX for 15 years. It is hard to put into words the unprofessional manner Freedom Mortgage treated me and, in an essence, try to steal my property with their actions. They have ruined my credit and flared up me XXXX  to the point that I have sought counseling from the VA to deal with this tragic event. 
Being thought by the XXXX XXXX and XXXX XXXX to be a man of integrity, I would expect a company managing a VA Loan would treat me with the same respect. I have been lied too, mislead, and put on the, backburner several times. The cavalier way Freedom Mortgage dealt with me possibly losing my home because of their companies errors is an atrocity.

This is not a letter of complaint based on opinion and can be backed up with documentation and phone recording Freedom Mortgage should have in their possession. I have had over 50 communication  with Freedom Mortgage since XX/XX/2020. Through these communications I have proof of being ignored, lied too, mislead, and talked down to. I filed complaints with Freedom Mortgage mangers with nothing but apologies without fixing the issues. In multiple occasion I got no response back from managers. I had to retain a lawyer to deal with their unprofessional way they handled my mortgage forcing me to sell my property to prevent Freedom Mortgage from stealing my property. Even when selling my property, they gave the Escrow Agents misleading information and did not respond to their communication to the point that the buyers almost backed out of Escrow. 
In conclusion, I have lost about XXXX in equity and my credit score has dropped almost 200 points. The damage that has been done can never be repaired. Through multiple obstacles I did the right thing and ensured the loan was satisfied and my property was sold without going into foreclosure or short sale status. I am seeking a lawyer to sue this company to fix Freedom Mortgages policies in procedures to prevent another Veteran to experience this. I am preparing a log and book with all the emails, letters, and phone conversation regarding this case. Even at the date of this letter, my VA  representative XXXX never received a response back from Freedom Mortgage regarding their formal complaint process. If you are reading this complaint it needs to be taken seriously if you care about Veterans and their families. I will be able to provide all documentation to prove my case upon request. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm on a mortgage note with Calibar Homes Loans with my ex fianc 's mother. They have not paid the mortgage in over a year and seven months and now I have proof that they forged my signature to get a modified loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are Elan Financial Service and XXXX / XXXX XXXX. I could not reach Elan and XXXX stated they didn't show anything. Contacted XXXX  to dispute it.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to this company in regards to an alleged debt that I owed them with a debt validation letter where I requested the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX ) The purchase agreement ) XXXX ) Swear under penalty of perjury you were present during the alleged debt ) They responded via email with XXXX document from the company XXXX XXXX XXXX which had my last bill amount on it. That document proves NOTHING and it is not validation. It is a deceptive form under XXXX XXXX XXXX - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

This collection agency along with the credit bureaus are in violation. The credit bureaus are allowing invalidated, inaccurate information to be reported to my consumer report which is a violation of XXXX XXXX XXXX XXXX ( b ). 

On top of that the " amount owed '' doesn't even match. 

Remove this account.

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