BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Better Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About 6 weeks ago my wife and I decided to get a home loan for {$120000.00} for the purpose of upgrading our home. I retired from XXXX  after 33 years ( XXXX XXXX  ) and went to work for a XXXX XXXX XXXX XXXX ( my wife did as well ). We own our house outright, have no credit card debt ( we pay the balance of every month ) but we do have two auto loans with a balance of about {$30000.00}. I choose not to start collecting my pension because my wife and I are both working as XXXX XXXXXXXX XXXX XXXX and we're feel outrageously fortunate because during this terrible pandemic our income has actually risen. Last year ( XXXX ) our XXXX 's combined we're about {$140000.00} ( haven't filed taxes yet ). Our taxable income was around {$88000.00} for XXXX, XXXX and XXXX. 

We were denied this loan request by Better Mortgage and the reason they stated was " income fluctuations ''. They also alluded to our credit report. They wrote that our credit rating ranged from " XXXX '', which is completely false. Our credit rating is impressive and always above XXXX. 

So, our total monthly bills XXXX everything : food, electricity, water, insurance etc ... ) Is about {$3000.00}. We make over {$10000.00} per month and have about {>= $1,000,000} in retirement money-and they denied us! 

I tried ( and tried ) to talk to them. I have them everything they asked for ( tax returns, pay stubs, bank statements, investment records XXXX and in the phone I was told that our income wasn't verified. When asked for a written explanation here 's what I was sent : " As noted, we would in fact need the XXXX XXXX tax returns filed to validate that XXXX full year profit and loss statement as it is substantially higher than XXXX and XXXX XXXX income. We use the XXXX XXXX XXXX to see the income trending and wouldn't be able to use it to qualify as it is not verified and in line with XXXX tax returns as they haven't been filed yet. '' If I don't qualify for a loan, then who can? 

ThIs just doesn't seem right! 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
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: Their investigation did not fix an error on your report

Complaint:
I called the XXXXEquifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXX XXXX XXXX XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Convergent Resources, 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:
Received a notification via XXXX about this collection. I have submitted a dispute with XXXX to have the collection removed from my credit report. This is the second energy utility company collection I received and I have never done business with them. 

Company : Convergent Outsourcing for XXXX XXXX Balance : {$230.00} Opened : 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 2018-11-08
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
American Express put my name and address on a XXXX/XXXX along with family members which is preventing me from accepting credit cards. I don't owe the company any money and this list of there's is inaccurate and discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card through XXXXXXXX XXXX in XX/XX/XXXX that was originally through a credit union. In the XX/XX/XXXX, that credit was sold to XXXX XXXX. In XX/XX/XXXX, I received a letter that the check with payment that was sent had the wrong account number on it and a late fee had been charged to my account. I thought I may have typed the wrong account number in when I provided the information to my personal bank ( I pay bills through my account and they sent checks on my behalf. ) So next time, I looked at the statement from XXXX and made sure the account number I was providing was correct. I received these letters each month XXXX-XXXX, but unfortunately, was dealing with other personal things and had not called them to get this resolved. I took a look at the image voided checks and noticed that the account number that the bank prints did look like it was cut off where it's printed at the top ( leaving off the last 4 numbers of the account ) but there is a complete number in the memo line, which must have been ignored by whoever was processing my payments at XXXX. I called and spoke with someone in customer service at XXXX in early XX/XX/XXXX about getting these fees ( and subsequent interest that was charged on the fees ) removed from my account, as the correct account number was on the checks I provided and the fact that the person at XXXX didn't look closely at the check when it was receive isn't my fault. She said she would submit a request and I should see what will be refunded on my next statement. I look at my next statement in early XXXX and saw nothing about this. In XX/XX/XXXX, I received a letter from XXXX ( dated XX/XX/XXXX ) saying " you asked about a late fee that was applied to your XXXXXXXX XXXX credit card account. A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fees from you account. '' All of my payments were scheduled with my bank to be received by XXXX BEFORE the due date of the payment. The only reason these payments were " late '' was because they are claiming I didn't provide a valid account number ( of which I have proof that I did ) and they weren't able to apply the payment to my account on time. I have nearly {$400.00} in late fees/interest charges on late fees that was incurred simply because the recipient of the check didn't look at the memo line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
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: Account status incorrect

Complaint:
I have reached out to the company to get them to remove the incorrect late payments on my credit report and the company has failed to correct these errors. They are preventing me from securing a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Williams & Fudge, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX  as the original creditor. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. 
This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2020-07-27
Company: Metropolitan Home Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Metropolitan Home Mortgage offered me no cost loan to refinance my house, however after many reassurances of no cost loan, in the middle of the process they demanded several thousands of dollars to proceed with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2020-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently sent a letter in XX/XX/2020 to this creditor asking for verification. I never received a response back from this creditor that is reporting on my credit report. I first had to due the research on my own to find out who this creditor is because on my Equifax Credit Report it doesnt show the creditor name or address information whos is a violation according to the FCRA. I also sent a letter to Equifax on XX/XX/2020 stating the inaccuracies with the unknown creditor listed on my credit report and I have yet to get a response. Please see attachment of the letter I sent to the creditor and the credit report showing the unknown information for this creditor reporting to my credit file. I have no knowledge of this account as it should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 was XXXX in XXXX XXXX and XXXX XXXX in another XXXX. I asked Capital One to send me information in large print. I recently had XXXX XXXX to restore my XXXX in my XXXX XXXX. I used my reward points with XXXX to rent a car. I dented the bumper and now I 'm responsible for the damages because I was n't aware you had to pay for one days rental on the card. XXXX did out a hold on my credit card and charged {$2.00}. XXXX also closed out the contract when I could have extended the rental for one more day and pay for one day of the rental period. XXXX even told me to have them to do this. Now I 'm stuck with a bill because I never was able to read the fine print. I trusted what Capital One told me. I would be covered if I declined the insurance offered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with this fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have informed Transunion and XXXX that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX {$1900.00} XX/XX/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 2022-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Nelnet, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I made a payment of {$490.00} to Nelnet ( Bringing me current ) On XX/XX/2018 I made a payment of {$50.00} to Nelnet ( Keeping me current ) On XX/XX/2018 I made a payment of {$53.00} to Nelnet ( Keeping me current with decrease in balance owed ) However, my credit report as of XX/XX/2018 has yet to be updated correctly. 
I called XXXX  and filed a dispute sometime in the month of XX/XX/XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XX/XX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three Nelnet accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both Nelnet and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but Nelnet has three separate account on my credit when in Nelnet I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It is more so that when I first got the application and filled it out they told us that it would not determine ineligibility and that is why I wanted to appeal. We are at the end of our probation and completed all terms. The things that we undergo in life shapes some people like me and my husband into the people we are predestined to be. Our past obligations should not determine our future and where we stand as citizens. Me and my husband went through a rough time in our lives when our child passed away a few years back. It has helped us to be better people in todays society. We are not XXXX offenders since it was obtained from the national XXXXXXXX XXXX XXXX search

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # : XXXX I can not see the paid-off auto loan on my Transunion credit report. Please report it back on the Transunion, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.

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