BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Village Capital & Investment LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX XXXX Service my VA home loan. The problem has I contacted XXXX XXXX XXXXXXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of XXXX to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX Mortgage which violates the Mortgage Servicing Clause in Release tractions amendments of the state of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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 noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and Experian and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$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 non-monetary relief
Consumer complaint received 2018-10-09
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection reporting from XXXX XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is 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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the XXXX increase XXXX  and XXXX only removed four to five of the inquiries.

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 2019-02-07
Company: Experian Information Solutions Inc.
State: HI
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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and 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 2019-02-07
Company: EQUIFAX, INC.
State: HI
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
ITS BEEN WAY OVER 30 DAYS NOW APPROACHING 60 SOMETHING DAYS AND I HAVE YET TO RECIEVE DOCUMENTATION THAT THESE ERRORS WERE CORRECTED AND REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I 've had a XXXX card for 5 years and XXXX audited my credit report and closed my account without warning. I have not had a late payment and use the card and usually have money available on it. When I called they were not helpful and told me I would get a letter in the mail and that it came from them receiving a report from 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 2021-09-07
Company: Experian Information Solutions Inc.
State: CT
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:
experian IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY experian. THE STATEMENT IS STATED AS FOLLOWS " Notices The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration., '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted

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 2019-02-07
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account from national credit adjusters is reporting incorrect information on all three credit bureaus XXXX, XXXX  and XXXX. This incorrect information is stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is the result of New Res ( Shellpoint Mortgage ) negligence, unfair business practices, incorrect and inconsistent credit report across bureaus, and some other violations to the California Credit Reporting Act. 

The account is the following : account # XXXX opened XX/XX/2019, highest balance {>= $1,000,000}. 

I am demanding a fair solution, and this company must remove the item from my credit report. This situation is overwhelming. Ive been psychlogically affected because of this issue. 

Please send the attached documents to Shellpoint Mortgage. 
Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian credit agency keeps refusing to remove incorrect information from my report which cost me more interest rates and lowers my score. I had a bankruptcy due to a divorce but I paid the student loan off, they keep stating that it was included in the bankruptcy and I have already over a year submitted proof that it was paid off ( letter from the department of education ) and Schedules from the bankruptcy to show that it wasn't included and they refuse to update the account or to take it off. it is the only Credit bereau that has it and it is not allowed by law to include student loans into bankruptcies so its an obvious error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payments have not been applied to the proper balances as required by law. I spoke with a supervisor that acknowledged they broke the law by misapplying the payments. She then also told me its my fault because I should have noticed. Yes small truth to that but is the company just exempt from following the law? I asked that my payments be reapplied to the correct balances and this still has not been done. Care Credit has applied payments to a newer balances before paying off older balances, therefore possibly causing me extra fees and interest.

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 2018-04-10
Company: EQUIFAX, INC.
State: AK
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:
The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX loan balanceXXXX {$12000.00}. One year later, XXXXXXXX XXXX loan balance {$11000.00}. Payments made- $ 4,884.68-Principal received {$350.00}, Interest received {$4400.00}. No progress in paying off this " predatory loan ''. Please advise, on how to combat loan from One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been a Coinbase.com customer since XXXX. On XX/XX/XXXX, I was asked to update my account personal information and verify my ID. I successfully completed these steps but my account has been under review since then. Coinbase displays the following message every time I log to my account : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ". Using Coinbase is not possible until the account review is completed. I am unable to withdraw my funds from my Coinbase account, deposit funds, or proceed with any kind of transactions. I tried to contact Coinbase several time and have not got my account reviewed and unblocked till today XX/XX/XXXX. That is now lasting for almost 2 months, while Coinbase claims it should have taken a few days. I did open a first ticket on XX/XX/XXXX which they closed on XX/XX/XXXX stating that " Coinbase Support resolved and closed your case. '' but my account was still under review and showing the same message when I did log in. I opened another ticket on XX/XX/XXXX but did not hear anything back so far, despite several follow up emails sent to them. I tried to contact them another time today, opening another ticket. Coinbase is not responding and is blocking my funds on their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
Company: TD BANK US HOLDING COMPANY
State: NE
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:
Td auto finance is reporting a hard inquiry that i did not authorize. I sent in my signed application which shows the date i applied and they ran my credit before that without my authorization. I have tried to get it removed td auto finance and the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, On XX/XX/2019, I opened a checking account and an investment account with MoneyLion Inc . The fine prints mentioned that as long as I make several direct deposits into the accounts, I will be entitled to a welcome bonus up to {$690.00}. 

In the next few months, I did several direct deposits from my salary ( up to ~ {$27000.00} ) into the accounts. However, till this day, I have not received this welcome bonus. I have reached out to MoneyLion several times, and there is no definite response from them, which really frustrates me. 

Please reach out to them regarding this issue. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The account was a wayfair store card with comenity bank. Comenity bank stopped doing business with wayfair and all accounts were closed. I still owed a balance and continued to pay on it until XXXX of 2021 when I just went ahead and paid it in full. The card was closed because the company was no longer accepting the cards. Comenity continued to charge me interest for XXXX, XXXX, and XXXX after I paid it off. Then they charged me a late charge too. In XXXX I got a text message telling me I was behind so I called the company. The XXXX  the balance for the incorrect charges but said they could not correct the credit reporting. Below you will see in attachments that I paid this off in XXXX but they still charged me interest after it was paid off. Each additional month I was charged interest and a late fee. The XXXX statement with a XXXX  balance is not available yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Ad Astra Recovery Services 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: Personal information incorrect

Complaint:
XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with Ad Astra on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  XXXX  -Ad Astra XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had been seeking to find a emotional dog for companionship, I looked into XXXX searching I came upon what I thought was a legitimate organization on XXXX called XXXX.I reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my Chase Bank app and sent the {$380.00} through XXXX which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to XXXX refused to help they stated they could not help me because I sent the funds on my own, And so I called XXXX and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.my bank just sent out a generated letter that they send to victims of these scams and its wording suggests I agreed with them, But I had not even had a chance to speak with anyone about it only put in the complaint then the generated letter came.Thank you for taking the time out of your busy schedule to help me. Warm Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

Company response to consumer: Closed with explanation