BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for bankruptcy in XX/XX/2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to Transunion my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.

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 2019-09-06
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am still having trouble with Selene Finance correcting my mortgage account. They are showing a past due/late fees charge on my statement dated XX/XX/19. I called on XX/XX/19 and spoke with XXXX and he assured me my account was being updated and corrected. When I received my most recent statement, it's still showing these charges so I called Selene again today ( XX/XX/19 ) and spoke with XXXX ( XXXX ). She was very rude, said a supervisor was not available and I could call back. I told her I had left messages before for a supervisor to call me back and I have never received a return call. I asked her to fix this on my account and she said she was just the call center and for me to have a good day and hung up on me!! Any request I have sent to their customer service department in writing has not been answered. I have only received responses from my complaints filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: WI
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:
In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to Equifax to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by XXXX  XXXX IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with Equifax and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

XXXX XXXX, XXXX and Equifax needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the Equifax Confirmation number of the completed complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TD BANK US HOLDING COMPANY
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: VA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closed on my house today XX/XX/XXXX with JP Morgan Chase Bank. XXXX was XXXX XXXX nmls id XXXX. Yesterday, XX/XX/XXXX, I got the Final closing disclosure. At that point I found out my property taxes had doubled from the XXXX I received 6 days prior on XX/XX/XXXX and from what was shown on previous loan estimates. My monthly payment had now increased {$420.00} one day prior to closing. When I called the closing agent at Chase, she told me apparently they had a tax cert on XX/XX/XXXX and uploaded it on XX/XX/XXXX and that the property taxes were around {$9500.00}. Not the {$4500.00} that they used on all XXXX and previous XXXX sent to me after XX/XX/XXXX and prior to XX/XX/XXXX. That put me, my family, the sellers, the agents all in a predicament. My XXXX  previously suggested that XXXX was pretty accurate for taxes. So I believed her. I was completely blindsided when I saw the FINAL XXXX on XX/XX/XXXX showing my payment increase drastically and my cash to close increase about {$5000.00}. All because they didnt update the file with correct tax amounts they had already received. I felt strong armed into closing at that point because I would lose {$5500.00} in earnest and option money and put out the sellers who has sold all their furniture. So much for know before you owe. This is in Texas. I believe they used the previous owners homestead exemption taxes in all the XXXX and XXXX or the XXXX amount prior to XX/XX/XXXX. I assumed a seasoned XXXX or closing department would pull taxes from the county then account for exemptions and reassessments, especially in Texas. This seemed almost like a bait and switch or deceptive to me that they waited to the last minute and forced me in to a tough position. I truly would not have bought this home had I known this in the beginning. I asked my loan closer, to escalate the matter and see if they would refund my earnest and deposit money if I backed out. They had the operations manager XXXX XXXX call me and say this is the way it is. She did inform me I could file for a homestead exemption and my taxes should go down some. But I knew the current owners were seniors, so it probably wont get near as low as the numbers that were previously being used to estimate my loan. If Im lucky, my payment will be {$250.00} over what I had budgeted for my family. Im surprised this didnt throw off my Debt To Income and Ability to Repay. I know its my responsibility at the end of the day to check taxes so I admit fault there, but Chase had ample opportunity to present me with more accurate information and withheld that info until the worst possible moment. The title company said they had no issue using the tax rate from the XXXX XXXXssued to me on XX/XX/XXXX, but that Chase insisted on this change last minute. This doesnt feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Great lakes is trying to say I owe XXXX for student loans I never took out or received money for. The college XXXX online University is now shut down my credits aren't acknowledge by other universities anywhere I don't understand what's going on. I've never made a payment because I do not acknowledge this as my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Upgrade, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I transferred funds from a linked bank account and was informed that it would take up to 14 days to clear in an email on XXXX. 
On XX/XX/XXXX I was informed via email that my account was " suspended '' or " restricted '' and to call to discuss things. 
On XX/XX/XXXX I called and was informed that they needed to verify my linked bank account from the XXXX deposit to lift the suspension. This required a " XXXX way call '' with the other bank. I allowed this, but the other bank ( XXXX XXXX XXXX XXXX XXXX ) has security policies that do not allow for 3 way calls like this. I was informed by XXXX that since XXXX XXXX would not do anything else, that my account was still suspended, but should be resolved in a few days. 
On XX/XX/XXXX I called Upgrade because my account is still entirely frozen and was told they needed to call XXXX XXXX again to try to verify a linked account. I allowed it again, but XXXX XXXX again stated their policy regarding not allowing 3 way calls. The supervisor with Upgrade informed me that this was likely enough to lift the suspension within the next 3 business days. When I enquired about the possibility to just close my Upgrade account, I was informed that I could not close the account and get my money from it while it was still under restriction. 
As of XXXX, now more than 1 month since my XXXX deposit my entire account is still locked. This is in addition to the XXXX deposit being locked. For over a month Upgrade has held all of my assets in restriction ( over {$18000.00} ) and has repeatedly not done what they said they would do to allow me to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).

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 2021-04-14
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working on getting approval for a reverse mortgage on my condo from Finance of America-Reverse ( FAR ), when they introduced a new document to be signed and notarized by my neighbor, who has no interest in helping me to get a reverse mortgage and would not sign such a document. Essentially, FAR gave my neighbor the power to deny me a reverse mortgage. 

I dont believe FAR was acting on some hidden reason and deliberately trying to deny me a reverse mortgage by introducing this new requirement. They explain their reasons for it in the attached email, given the situation where my condo is one unit of a 2-unit condominium building, and my neighbor owns the other unit. Nevertheless, the way it worked resulted in denial of a reverse mortgage for me, based upon nothing but the whims of a disinterested outside party, my neighbor. 

Further, FARs new document was superfluous. My neighbor was already bound to everything in it by the XXXX XXXX XXXX of the condominium, a copy of which FAR had been given, plus a separate agreement regarding a split of utility costs, which was forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX, XXXX, and Capital One have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX ( acct ending XXXX ), XXXX  ( Account # XXXX ), Capital One< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX  COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ProCollect, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED IS FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED THE POLICE DEPARTMENT AND FEDERAL AGENCYS FOR CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2019-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive account # XXXX I am writing to dispute this debt. XXXX XXXX XXXX XXXX XXXX keep calling me in reference to this debt even though I have wrote them a cease and decease letter and request validation ( a written contract bearing my signature to support their alleged debt. I have given them more than 30 days which is the required time by the FDCA. I have not heard back from them. I would like to request an investigation for I have never had any business relationship with this company or the company they represent. I know my rights and I will not hesitate to take all legal necessary steps to protect myself. i am recording all call from this company and keeping a record of all correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: AK
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 submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Reporting company used your report improperly

Complaint:
XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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