BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Capital Markets Cooporative, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, since the time of my closing in XX/XX/XXXX, has been charging me monthly in tax escrow what I should be paying quarterly. I.E. my newest bill shows I owe {$580.00} as part of my MONTHLY payment. My tax payments are actually {$580.00} owed EVERY THREE MONTHS. 

The condo I bought is in a new development of four units, and the parcel does not officially split into 4 parcels until XX/XX/XXXX. This is why the City tax collector sent us a letter stating what each unit individually owes since we only have one tax ID. 


I have been in contact with them multiple times since XX/XX/XXXX ( 10 to be exact ), when I first received a letter from my city 's tax assessor. Still nothing has been done to rectify the situation. They did do an escrow analysis after my 9th call and multiple previous requests that allegedly got lost in their system. My payments went up, based on the tax increase ( my city tax payment per the city 's assessor, increased from {$430.00} to {$530.00} ), but they have failed to correct my monthly payments. Currently I am paying {$6400.00} per year when I should only be paying {$2100.00} annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX  mortgage account number XXXXXXXX XXXX XXXX Account XXXX bank. Account number XXXX. XXXX  card XXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions .15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years .15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate

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 2021-02-25
Company: Experian Information Solutions Inc.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit Bureau is still showing my EX husband ( XXXX XXXX ) as an authorized user on my XXXX credit card. He was removed as an authorized user in XXXX. I verified with XXXX that he was removed as an authorized user in XXXX. He recently pulled his Experian credit report and can see my current balance ( {$3400.00} ), payment history and current monthly payment AND IT STILL SHOWS HIM AS AN AUTHORIZED USER. He sent me screen shots that indicate this information was last updated on his credit report on XX/XX/XXXX. I have called XXXX and Experian and no one will help me because it's his credit report. I feel violated that Experian continues to report my personal and sensitive financial information to him. XXXX said that they do not report information under him about this credit card to Experian any longer, but stated that Experian uses my personal reporting and puts it under my EX husband as well. Let me state, HE WILL NOT CALL to get this removed. It helps his credit as I am a reliable payer and he is not. I will attach the screen shots he sent me clearly stating that Experian is still reporting just as if he is an authorized user.

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 2023-08-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an account and was denied, pursuant XXXX cfr XXXX discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623  ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I bought a printer from XXXX The printer was damaged and I returned it back. Discover card didn't return me money and reposted transaction on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is an account showing on my Experian report as an open collection account. This is an error on the part of Experian. I have contacted the original credit issuing company, XXXX, as well as the listed agency on Experian, XXXX XXXX XXXX  ( acct # XXXX ) and they confirm this issue is on the part of Experian. 

Neither XXXX  nor XXXX  show that I have any collection accounts on my report, as is verified through Experians own app. Only Experian says I have a collection account on my report. This is an error, I have nothing in collection, every account to my name is current and in good standing. 

As a result of this error my credit score through Experian is far lower than my score through the other two credit reporting agencies, and this has resulted in my being denied services for the purposes of refinancing my mortgage. I request that Experian please correct this issue by removing this item from my 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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report from XXXX, XXXX and TransUnion I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.

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 2023-05-16
Company: Sequium Asset Solutions, LLC
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:
I am in the process of purchasing a new home and my credit report showed a collection from a company I never had services with. I disputed the charges with the credit bureau ( report # XXXX ), the collection agency and the company involved ( incident # XXXX ) in the fraudulent charges. The name of the collection agency is SEQUIUM ASSET SOLUTIONS. The name of the company is XXXX XXXX. The account number associated with the fraudulent charges/account is XXXX. The address used for the fraudulent charges is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The charges show on the credit report as being opened on XX/XX/2023. I need these fraudulent charges from identity theft removed immediately as this is affecting my ability to purchase a new home. I worked hard to get my credit score to over XXXX and now my credit score is around XXXX and continues to decrease with each report of these fraudulent charges. The credit bureau responded to my dispute saying the charges were verified as accurate. This is not accurate so I re-disputed the charges again with the credit bureau who states they have turned this over to their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 my mortgage increased from {$870.00} to {$1100.00}. I was told by a Ditech LLC representative that it increased due to escrow and my property taxes went up by {$2000.00}. I have requested documents on the formula that was used to calculate my new mortgage amount and they keep giving me the run around and stating that they sent out letters back in XX/XX/2019. I haven't received any letters other than offers to refinance. I explained to the representative that my mortgage rate is fixed and there is no way my mortgage went up by {$270.00} per month. I asked to speak to a manager and I was told there weren't any available. I would like to resolve this matter to include an itemized form as to how they calculated my new mortgage payment. After doing some research this is a shady practice that this company is known for. They have since filed for bankruptcy and has sold my mortgage to another company but I still make payments to them.

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 2017-09-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you

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 2021-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent the credit bureau an affidavit of identity theft police report as well as the FTC report listing the exact fraudulent items on my credit report I have sent these documents XX/XX/2021 with still no resolution to the issues I am needing help to get these items off of my 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 non-monetary relief
Consumer complaint received 2020-10-20
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal denied my claim AFTER negotiating a full refund. I bought a product via a XXXX ad that was misleading in its advertisement. I initiated a resolution with PayPal when the seller ignored communication. The resolution through PayPal resulted in the seller agreeing to a 100 % refund, upon receipt of the item. The item was shipped back via XXXX in accordance with PayPal 's instructions. I was unable to upload the tracking info due to a mysterious 'login error ', but the package was delivered prior to the deadline. After the deadline had passed, I was mysteriously able to log in again, and provided the tracking info, but PayPal had already closed the case. I have requested an appeal of the timing of the decision, but was told that the item never arrived. The tracking number shows delivery, so PayPal must have believed the word of the misleading seller. Interesting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: IN
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 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 explanation
Consumer complaint received 2020-09-01
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly emailed Fay Servicing since XX/XX/2020, about hazard insurance being taken out of my escrow account when I already pay for the appropriate level of hazard insurance in force. I have received phone calls from Fay Servicing Customer Service staff asking me to not only prove that I had the insurance but that I paid for the insurance. I have done as requested and emailed the information to Fay Servicing Customer Service. I still have not received a response that any hazard insurance paid from my escrow account has been or will be returned. On XX/XX/2020, I was informed by Fay Service Customer Service staff that the matter was going to be sent to Fay 's insurance department for review. 

In the meantime, I received an 'Escrow Account Disclosure Statement ' from Fay Servicing XXXX XX/XX/2020, indicating that {$890.00} in flood insurance will be charged to my escrow account in XX/XX/2020. I have historically paid this myself directly with no escrow. Since Fay Servicing is not authorized to pay for flood insurance out of my escrow account, this needs to be reversed, and my payments adjusted appropriately. Any flood insurance paid on my behalf by Fay Servicing last year needs to be returned. 

The 'Escrow Account Disclosure Statement ' also indicates that Fay Servicing paid {$2000.00} for hazard insurance on my behalf in XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX refunded this to Fay Servicing on XX/XX/2020. This error also needs to be corrected and addressed since I pay monthly hazard insurance directly to XXXX XXXX. 

I received a letter from Fay Servicing dated XX/XX/2020, saying that they had received my most recent correspondence that I sent certified mail on XX/XX/2020. Fay Servicing said that they needed 30 business days to respond. I have not received a response and it has been more than 30 business days. They referred me back to their Customer Service Department as well.

Since Fay Servicing has prior bad acts on record concerning taking customer 's money for hazard insurance when they already have it or overcharging for hazard insurance, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NC
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX account # XXXX was opened in 2015 and has since aged off. It should not be on my 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 non-monetary relief
Consumer complaint received 2020-10-20
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I signed up for the Barclays Arrival+ credit card specifically for its advertised travel cancellation and interruption insurance. I submitted a claim earlier this year, # XXXX to Barclays through the CFPB website. They misunderstood the complaint and immediately denied it. 

My trip was cancelled because of COVID ; this is clearly an acceptable reason pertaining to " travel cancellation and interruption insurance ''. The trip never started because of the pandemic. I provided Barclays Mastercard insurance with all the required documentation.

Barclays response noted they don't reimburse due to an airline filing bankruptcy. The airline only filed bankruptcy for their own financial matters ; the airline has NEVER stopped flying. The primary cause of the trip cancellation was COVID ; not the bankruptcy. 

I was penalized a {$300.00} per ticket charge ; and I am seeking {$600.00} reimbursement for the penalty fare imposed by the airline.

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