BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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:
This is my SECOND complaint against Experian. The one the stated that it wasnt me filing it, it clearly was. I believe this is a stall tactic so they dont have to do their work. I will attached my first disputes and a letter of deletion from a collector. If this is not taking care of soon I will SUE!!!!!!

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 2020-11-18
Company: TRANSUNION INTERMEDIATE 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: 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 {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and Transunion and XXXX requesting that the incomplete reporting of my XXXX  account information be changed to reflect the correct XXXX reporting of my XXXX account.

I have not heard back from XXXX XXXX XXXX. Transunion and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX  and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by Transunion and XXXX, but are being reported correctly on my XXXX credit report.

My request is that XXXX reports the same information to Transunion and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments.

Thank you.

Concerned Consumer

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 2020-11-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was offered forbearance at the the beginning of the pandemic which I accepted. At the end of the forbearance I requested the balance be moved to the end of the loan which was kindly agreed. I am listed as the end of the trial period and waiting for the loan to be complete. this completed process has gone on for 2 months and I feel there should be some further explanation. I can not reach anyone with the authority to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have 2 primary complaints. 

First, received a letter from my mortgage servicer, Freedom Mortgage stating that my payment was going to be increasing by {$300.00} per month because of an escrow shortage. This was a significant increase so I began working with Freedom in order to determine what caused the issue. After several weeks it was determined that my account was set up incorrectly after I refinanced. The escrow account had 2 errors, insurance was omitted and the taxes were incorrectly applied from an outdated tax bill. This led to a significant gap that was not discovered until I received my annual escrow analysis. Freedom offered to credit my escrow for the full amount of the insurance because it was an error by the account set up process. I asked that they also research how the tax account was so inaccurate because they had received an updated copy of the tax bill the previous year. I still have not received an answer as to how this occurred. I have spent hours trying to resolve this with Freedom but they are exceptionally hard to work with. I am able to afford the increased payment but I believe these sorts of systemic errors will disproportionately impact low income borrowers as they may not be able to afford such a significant increase in monthly payments. 

The second complaint involves the refinance marketing process. After I refinanced the first time I continued to receive marketing calls to refinance again. I requested 3 times to be added to the do not call list which was finally completed. Despite not wanting to continue to receive information, Freedom requires that you move through a phone tree on the customer service line in which they try to push you to refinance again. They also direct customer service representatives to try and sell the program as well. Customers should not be required to constantly opt out of product marketing in order to get basic customer service.

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 2020-11-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/2020 stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi. I have a existing loan with Caliber Home Loan and they have send me flyer to low my interest rate with no closing fees if I refinance with them. I started my process and was able to bring another loan to Caliber. I was promised to close by end of XX/XX/2020. My loan consultant was change, then customer service was getting worse. They were not returning phone call or email. I summited my loan as primary and I provided whatever was needed to consider this as primary. They kept on asking me one thing after another. They basically were thinking I was lying. Long story short- now it is almost 4 months. 2 weeks ago the underwriter want the appraisal changed and we went and change it. I thought that was the last thing. I called the customer service and confirm everything and he mention my loan was approved as primary and we wont have any problems. I got a call from loan consultant after 2 hours saying my loan is not approve and appraisal was not over turn. I was pretty much like someone just told me something else. Next day XXXX my loan processor called and said your loan is approved as primary and we want to schedule signing. She even mention my loan consultant made a mistake. My loan process and I work all day to set up signing in 2 days. Next day my loan consultant calls me again and said loan is not approved as primary. A day before my signing. At this time I was just super XXXX. I got on the phone with her manager and he was no help. ( I have emailed and called him several time but that guy always ignores me ). I went up to CEO and filed a complain. couple other managers got involved. We solve this situation out on Saturday after having a conference call. I was given a closing estimate and I made a decision on that. Monday I got the final discourses and they were charging me additional $ XXXX to whatever they send me couple days ago. Their respond was that it was mistake. I said AGAIN. I have wasted my 4 months with this company. This company is the worst customer service I ever being through. I regret closing my other loan with this company. I have all the proof where they have quoted me approval and pricing and how they came to me and change it. Very unprofessional and unexperienced people. Shame on Caliber to have people like working for them and giving customer so many different wrong information. I would like CFPB to look into this matter and hold Caliber Home Loan reliable. Financials institution just cant reply wrong information so many times to same customer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MN
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 have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information. Please remove the negative account right away. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2018-07-27
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
FCI is the loan servicer XXXX XXXX is the borrower The loan is a HELOC The loan was interest only from XX/XX/XXXX-XX/XX/XXXX In XX/XX/XXXX the loan was to be adjust to a fully amortized P & I schedule using a rate of 3.25 % plus 50 basis points or 3.75 % The unpaid principal balance at that date was {$37000.00} The borrower was in her XXXX when the loan was supposed to be adjusted from interest only to P & I in XXXX. 

The loan servicer never adjusted the loan in XXXX to P & I in XXXX and continued to bill the loan as an interest only product and continued to raise the interest rate on XXXX XXXX when it was supposed to be capped in XX/XX/XXXX. 

When it was discovered that the loan was not being billed according to the promissory note, FCI decided to start the P & I calculation in XXXX using the current interest rate of 5 %. 

We do not understand how a lender can make several errors in providing loan processing services, 1 ) not giving proper notice in XXXX and adjusting the loan according to the loan agreement 2 ) and then adjusting the loan in XXXX when the interest have risen and using the higher rate in their favor. 

Does this mean if they didn't discover the error for another five years and the interest rate is now 8 %, that they could arbitrarily use 8 % and gain a significant financial advantage due to their own mismanagement of the account? 

We find this to be an abuse of their fiduciary responsibility to the borrower and elder abuse.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2023-09-21
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Send debt validation letter on XX/XX/2023 via certified mail # XXXX to Target Card Services, XXXX XXXX XXXX XXXX, XXXX XXXX, MN, XXXX after company filed credit judgement with XXXX XXXX XXXX Ohio XXXX XXXX No response received from Target or Target 's attorney XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: ALLY FINANCIAL INC.
State: CA
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:
XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX 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 2017-08-08
Company: Nelnet, Inc.
State: NM
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:
*XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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 have sent Portfolio Recovery Associates multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express advertises their Blue Business Plus card ( for small businesses ) as having " 0 % APR on purchases and balance transfers for 15 months ''. I was assured by 3 different American Express telephone sales reps that that is correct. I applied, but the card I received has no such offer for balance transfers. I was then informed by 5 or 6 different customer service reps ( including one supervisor ) that there is no such benefit.

As of today ( XX/XX/XXXX ) the website still shows this offer at https : XXXX I think that is fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: WA
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 have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: FL
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 dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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