BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized

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 2017-10-13
Company: Experian Information Solutions 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:
This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed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 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any help.

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 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.

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 2022-08-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Sub # 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 2019-04-03
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint. Caliber Home Loans is committing ongoing escrow fraud which is very tiresome. They don't respond to letters or phone calls or emails.

( 1 ) PMI should be removed. We paid {$300.00} in XX/XX/XXXX for an appraisal which valued our home at {$370000.00} ( their fraudulent BPO said $ XXXX which is laughable ). 

( 2 ) escrow fraud. We were never reimbursed for homeowner 's insurance despite the company continuing to collect for insurance in the escrow. As a further insult their XX/XX/XXXX purported new escrow calculation assumes PMI into XXXX - this is false. Under the 1998 PMI Act, PMI must be removed in XX/XX/XXXX, so how can they addPMI for a full year XX/XX/XXXX to XX/XX/XXXX to calculate the escrow? Fraud is the ONLY explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2017, I have tried several time to have Transunion remove some aliases off of my Transunion credit report. I have sent them proof of my identity thru driver license. They refuse to remove two aliases off of my report. I have reported it as fraud to them.

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 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fell behind on my minimum payments due to being completely displaced from Hurricane Irma, I lost my job due to it and couldnt return to my home due to all the damage. I called them and talk to a represntatice back in XXXX and told them there was no way I would be able to pay my minimum payments even though I wanted to because I needed to put all my money towards food and shelter for me and my family. Anyways long story short is they told me they would do anything they could to help me in this situation and to not worry. However after reviewing XXXX XXXX it shows me that I have 2 missed payments for the months of XX/XX/XXXX and XX/XX/XXXX on my credit history. All of my other credit card companies understood and did not blemish my credit with late payments. It was only capital one and after speaking to them there they essentially said they cant do anything about it. I understand I was late on my payments but I called them, i was displaced from my home and I lost my job which was the only source of income for my family. I now am trying to pick up the pieces and finance a new house for my family and I but because of these 2 missed payments for XX/XX/XXXX and XX/XX/XXXX I am getting a very bad rate with the Banks making the home I want to buy unaffordable for me and my Family. They did report accurately because I was late on my payments for those months but they assured me on the phone and what I read on their website that they were doing everything and anything they could for their customers through this hard time. So I didnt pay any attention to my card for those few months and only got up to date with my payments recently because I could finally afford to. I want these 2 late payments reversed due to a natural disaster that I had no control over along with the fact I was under the assumption I had a grace period where I was assured not to worry, Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.

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 2022-01-11
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a debit credit card without my consent. It has my name on the card with a full account number. Documents state that whatever information I provide theyre allowed to use, social security number, payment history, account transactions, etc. when I call the customer service number to cancel and find out how I received this card it immediately asks for my social security number which I wont give in order to activate the card. I can not speak to a live person and theres no way for me to cancel or find out how I received this card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted your CEO at XXXX on XX/XX/XXXX at XXXX CST about a pay for delete. My email was read 5 minutes after sending it and a total of 9 time since that day. I simply asked for a pay for delete to satisfy my debt owed. I received a letter dated XX/XX/XXXX saying that XXXX has taken over my account. I feel like this is a COMPLETE slap in the face and you guys did not even give me an opportunity to make this right even after reaching out in good faith. Since my email was read why didn't I get a response? I have personally read responses from you guys about other consumers pay for deletes and removals of late payments. Why didn't I get the same treatment? Now you guys have sold my account and that will be added to my credit file which is going to affect my credit score even more. 

I even sent a certified letter to you guys on or about XX/XX/XXXX and the response I get is a pure slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello The collections on my report XXXX XXXX XXXX in the amount of XXXX XXXX ( opened date XXXX/XXXX/XXXX ) They have refused to remove this account from my 3 reports. The 2nd account is XXXX XXXX XXXX in the amount XXXX XXXX ( opened date XXXX/XXXX/XXXX ) both company 's have refused to remove this from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 LOOKING AT MY CREDIT REPORT AND WAS SHOCKED TO SEE ACCOUNTS THAT WAS AUTHORIZED BY ME. I FILED A POLICE REPORT AND FILED A FTC CLAIM AND WITH THE CFPB. I CAN'T BELIEVE THIS IS HAPPENING TO ME. THIS IS VERY DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.

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 2019-04-03
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX took over my loans in XXXX, and I have completed all required forms for the XXXX XXXX loan forgiveness program, as well as paid under the income based repayment plan. Im XXXX of XXXX I requested that my account accurately reflect all payments made towards the XXXX payments, which would include all payments made from prior lenders as well. There are XXXX payments under review, despite having been made under the above stated terms with other lenders, prior to being absorbed by XXXX XXXX. My forgiveness date is therefore 18 months behind, and while that may not seem like to many, thats a lot of money I paid on a XXXX XXXX  salary without acknowledgment. Id like my account to be up to date. I have kept my promise to make payments on time and under the proper plan that allows for loan forgiveness so I ask they do the same. The payments made prior to XXXX XXXX taking over counted and should have translated at the time the Loans were bought by their company. They will not give me copies of my email requests or copies of the payments under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following debt collector and credit card account, and credit inquiries listed on my Trans Union, XX/XX/XXXX and XX/XX/XXXXcredit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XX/XX/XXXX, {$300.00}, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.

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 2021-03-09
Company: College Assist
State: OH
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 filled bankruptcy and the judge declaired my student loans be discharged. XXXX keeps adding back to my report after disputing and removing it. They are also changing to college assist to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.

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 2019-07-19
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.

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 2018-01-15
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 am very frustrated with Equifax. My attorney has also had the same experience with them. I do not trust them, especially with the most recent data breach they had. I have had accounts on my credit report that were never applied by me. As soon as I saw them on my credit, I immediately reported them to have them removed off my credit. 

XXXX and XXXX were great and helpful in removing this fraudulent information but Equifax continues to respond to me with canned letters, never providing me with any relevant information on the investigation. How can it be that XXXX and XXXX  removed the fraudulent information but Equifax has n't. It is the same exact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In 2019 Banco Popular, Creditor XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XX/XX/2019 and XX/XX/2019 

I request to change the inquiries to a soft since the process working with Banco Popular is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link. 

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. 
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, Banco Popular must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!

Company response to consumer: Closed with explanation