BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house today ( XX/XX/2019 ). 90 minutes before closing, I was told that I had an existing loan on the property I was selling for an additional {$31000.00}. The title company did not send over the ALTA documents until 90 minutes before closing. My net proceeds were reduced to {$5500.00} from {$36000.00}. I have an apartment complex that I was supposed to move into. Was told that if I didnt close on the house I would be sued and have to pay court costs and attorney fees. Then was told how the other people had just closed on their house and would be homeless unless I closed. Now I am homeless and was swindled out of my house. The title company delayed sending the ALTA and disclosed that there was a second loan on the property. I also contacted my mortgage company for a payoff amount and they did not inform me of this second loan. They told me and sent documentation stating I only owed {$100000.00}. I feel wronged and had my mortgage company disclosed that there was an existing second loan, I would not have listed my property in the first place for sale. I was told that there was no second mortgage or loan on the property. I lost everything today. And I feel that there was information not disclosed to me about what I actually owed on my property.

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 2018-09-28
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company has wrong information and continued pursuit of payment. Account was a debt settled with insurance for XXXX  appt. Continued to be billed for charges covered by insurance. Unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

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 2020-09-03
Company: Byrider Franchising, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This was my first car that I bought off the lot it was a used car to start with I ended up getting into a car accident and the car was totaled so I was able to pay an additional fee to obtain another car with the same payment dates and times of my last car I completely paid off the car in total because of what they got back for I accident it paid for the new car but I ended up having to pay extra money because I wasn't aware of that they have already taken a lot for me and for that company XXXX XXXX to sell my information to this collection agency for the amount of my total car is completely illegal please look into this and into their company in its entirety because that's not right I made XXXX year old woman turning XXXX and my credit is a big deal in my life right now my phone number is XXXX please give me a call if you have questions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Look at the dates in the account, Date Last Active : XX/XX/2016 XX/XX/2016 XX/XX/2016 This is inaccurate, making this report invalid. This account paid and in current status. The lates however are questionable since I asked them for proofs but I got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 comapnys transunion XXXX XXXX are not providing the right information of my creidt my credit to me and there are items in these agencies on my credit report that are not mine and they continue to place negative items on my credit reports that are not mine and making my credit report worse and worse each time and they are decieving me and making my credit worse and worse by placeing incorrect and fraudulant items on my credit report and not removing the fraudulant and invalid incorrect items from my credit report and making my credit report and credit score go higher elevate my credit score and becuae of these neglagences my credit score has gone down and i am not able to use my credit to purchase home items and all necessary items from my living cars grocery food electronics etc.

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 2019-08-12
Company: Incomm Holdings Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have purchased prepaid cards from XXXX Visa. ( XXXX ) I have contacted XXXX by phone at XXXX and have faxed disputes to XXXX, twice each. 
Twice purchased and twice the card numbers have been hacked and balance of card has been used for unauthorized internet purchases. 

Card # 1 balance of {$150.00} was used for unauthorized purchases to XXXX XXXX  on XX/XX/19 {$67.00} XXXX XXXX on XX/XX/19 - 2 transactions, {$57.00} and {$32.00} Card # 2 balance of {$130.00} was used for unauthorized purchases to XXXX  XXXX  XX/XX/19 {$130.00} after reading XXXX complaints on this company, there are many other victims to XXXX prepaid cards. It is my idea that XXXX has inside hackers and I want their cards pulled off the shelves until they get their security under control. 

My Status : two weeks plus since first reported unauthorized use of cards. XXXX   keeps saying '' we havent '' received the dispute documents. 

I took it upon myself to call vendors that hacker used. XXXX XXXX on XX/XX/19 was able to return the {$67.00} to my card. However, XXXX has put a hold on the card ( which had also a {$.00} balance left on it ) until " they receive dispute documents ''. 

not happy with XXXX and will not be using ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IA
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 Below is a direct quote from XXXX. 

" Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. 
We are not able to assist with your additional concerns with Equifax. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. 

Equifax shows XX/XX/XXXX as 60 days late XXXX shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to XXXX, and then you report 60 days to Equifax? THAT IS ACCURATE REPORTING? 

XX/XX/XXXX XXXX reported 30 days late, and Equifax reported 120 days late. THAT IS ACCURATE REPORTING? 

Equifax reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? 


No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? 

XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? 

Please explain. Don't give me a cut-and-paste answer either. 


Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.

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 2021-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ID Analytics, 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 is missing that should be on the report

Complaint:
I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: IL
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've sent multiple letters to Equifax disputing items from ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) on my credit report that I have no knowledge of and they are refusing to remove accounts in question stating that the acounts were verified but they fail to furnish proof. I want the accounts removed off of my credit report. I also have two inquires that Equifax refuse to remove although I'm sent letters stating that I have no know of the inqiries. The inquires are from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: DE
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 AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.

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 2021-01-22
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company incorrectly increased my monthly premium by almost {$400.00} as a result of having incorrect information about my insurance and being double-billed for taxes. This was identified in Spring of 2020 and I immediately notified NewRez. For the next 7 ( SEVEN ) months, I called New Rez to get them to assess my mortgage for errors. Call after call, I was transferred every month to a new representative, a new supervisor, or a new team lead. It took me calling my finance friend to get on the phone with New Rez and demand answers. He gave me this website to formally complain about New Rez and the runaround I have been getting. My mortgage amount is still almost {$400.00} over the correct price, with no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
it was discovered that M.L.ZAGER, P.C had made a hard inquiry under my name XXXXfor an amount of XXXX. I am reporting it as fraudulent action because they use my info to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiry I obtain a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by TransUnion Credit Bureau however, this inquiry was not authorized by me.I will list the inquiry that I did not authorized. 
XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-. XX/XX/XXXX Please have these inquiry removed from credit report, as it is having a negative effect on my loan application and acquisition of credit. 

Thank you for your prompt assistance.

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 2020-09-04
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TX
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:
Hi Someone had used my bank information to login to my credit reports within the last three days and they used my debit cards as well. 

I have received these notices and the charges to my cards since last Friday. Not sure who or how these has been happening. 
I have never requested or access the reports recently or paid to process the reports, not last month. 

" Your payment failed to process Dear XXXX, We were unable to process your last payment. Another attempt will be made to charge your payment method on file. If payment is unable to be collected it will eventually result in your product being cancelled. 

To update your payment information, click here or navigate to the billing tab under XXXXMy Account ' in your member center. '' XXXX XXXX XXXX XXXX XXXX Equifax Global Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX For help or support, contact the Customer Care team at XXXX. Customer Care is available between XXXX XXXX  and XXXX XXXX  ET, Mon-Fri ; XXXX XXXX  and XXXX XXXX  ET, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
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:
I was never 30 days late on any payment for a credit card that i had. i made my payment online using their website. However, recently i have attempted to get approved for a home loan but noticed that i have one late payment on my credit report from this company. I've attempted to get the late pay removed from my credit report but haven't had any success. Please help me in getting this late payment removed as i was never late and was notified of my payment online.

Company response to consumer: Closed with explanation