BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX, my mortgage servicing company charged me the amount of my mortgage ( {$1100.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX for the same amount for the same month 's payment. The result of this was an insufficient payment charge to my bank account ( {$29.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX resulting in another insufficient payment charge to my bank account ( {$29.00} ). Additionally, the mortgage servicing company added an insufficient payment charge to my loan account ( {$30.00} ). Due to the mortgage servicing company attempting to charge me for one month 's payment three times, I was unduly charged and additional {$88.00}. I called the company 's customer service line, who advised that it was an error on behalf of the company, and that it could be rectified by me sending the company my bank statement indicating the successful payment on XXXX XXXX and the subsequent charges. I sent the requested information through their customer service e-mail function shortly after and have since heard nothing from the company. I have continually had issues with this company, one which was handled by the CFPB.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the XXXX I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CAPITAL XXXX XXXX Balance : {$1000.00} XXXX CARD XXXX Balance : {$4000.00} CAPITAL XXXX XXXX Balance : {$990.00} SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XX/XX/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 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting a bankruptcy on my consumer file. TransUnion has put the data furnisher 's as being the US Bankruptcy XXXX XXXX XXXX Ohio, which is false. I have attached a letter from the US Bankruptcy XXXX verifying and stating they DO NOT furnish information to the credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies, for any third-party agencies. 

TransUnion is falsely stating this information on my consumer file and has yet to remove from my consumer report. 

TransUnion has no credible way to ensure that the information they are reporting is factual because the courts do not provide information to third-parties. TransUnion has no right to report information they can not accurately verify because they're not privileged to get any information directly from the courts.

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 2023-01-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint for an aggressive and harassing debt collection process. XXXX Mortgage recently took over control of my mortgage. My payments are due on the first of the month. They are considered late after the XXXX of the month. Today is the XXXX and XXXX Mortgage has started making Attempt to collect on a debt phone calls to my place of work. They did not even try to contact me at home first. This sort of aggressive behavior to collect on a debt that is NOT even late is highly inappropriate and is harassing. I dont know how they even had my work phone number because when I checked my account settings the only number listed was my cell phone. When I told them to never contact me at work again and to not contact me at all unless my payment was actually late, the caller hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the informationXXXX XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. I also reached out to the furnisher and they agreed to repair the account in my file. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2021. Please update and correct my account right away. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I appreciate you removing these ILLEGAL accounts . 
Sincerely, 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 2019-12-11
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re : Home Depot Credit Services/Citibank, N.A Home Depot Account number : XXXX & XXXX XX/XX/XXXX To Whom It May Concern : The reason I am filing this complaint with your agency is due to Home Depot/Citibank, N.A offering me a high APR interest rate of my Home Depot credit card account. On XX/XX/XXXX, when I applied for credit with Home Depot my credit scores were XXXX  XXXX & XXXX  XXXX, and I should have qualified for a lower APR interest rate. I also never miss any payments and my account never went into default and what is also upsetting that Home Depot also  refuses to apply any overpayments above the minimum to the promotional balance rather than all of it being applied to the revolving balance. I was never properly disclosed that I was told for that to happen I needed to contact the credit department to put in a request to have payments properly applied before promotion expire. According to the Home Depot agreement, Home Depot/Citibank, N.A on qualified account holders offered an APR interest rate between 17.99 % - 26.99 with credit approval. With my excellent credit score, I shouldve been offered a lower APR interest rate, instead of a 25.99 % APR interest rate. I believe Home Depot/Citi Bank shouldve offered me a lower APR interest rate instead of the regular interest rate of 25.99 % at the time when I have applied for the Home Depot account. I would greatly appreciate if you could please investigate this matter for due fairness. Thank you in advance for your prompt response regarding this critical issue. 

Respectfully, 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 2018-12-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : TransUnion Shows XXXX XXXX Shows XXXX XXXX   Shows XXXX. ( There should be no past due on a collection ) Date of last Active : TransUnion Shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX XXXX Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.

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 2022-10-20
Company: Experian Information Solutions 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 sent a letter on XX/XX/21 to Experian, XXXX, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian, XXXX, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : 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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, based on XXXX profile, an individual named XXXX XXXX XXXX, was selling french bulldogs which I decided to buy. He proceeded to send me pictures and videos of these dogs. I even video called with him and can confirm he is indeed the profile on XXXX and XXXX. He showed me the dogs he had available at the time and advised me of his price. The total was {$81000.00} USD for eight adult XXXX XXXX  which included, their shipping, XXXX, vaccines, and all that entails bringing to the USA. After wiring the initial deposit on XX/XX/2020 of {$15000.00} USD, he gave me the balance due a week prior to shipping. After making the final payment of {$66000.00} USD, he then blocked me on XXXX and XXXX as well as deleted his profile and created a new one. There are numerous other complaints of him from others on social media where he continues to offer dogs to other people and has also scammed many others. This amount of funds is affecting the day to day business operation for myself and my family. This will is detrimental and devasting for our finances. We have proof of pictures of him that shows his car tag which might assist the authorities. You attention to this complaint is greatly appreciated. 
Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/23 I ordered a XXXX XXXX  from XXXX XXXX whereas the advertising stated was fully assembled. The order # was XXXX. The merchandise was ordered as a gift but when my recipient opened the box they discovered that the merchandise wasn't fully assembled. On XX/XX/23 I contacted XXXX XXXX and was told that they would send me a shipping label to return the merchandise for credit to my account. Three weeks went by and I still hadn't received the shipping label so I called again and was told they would have a customer service supervisor call me back. I had honestly forgotten about it for several months and called XXXX XXXX again on XX/XX/23 and this time I spoke to a supervisor named XXXX who sent me the shipping label right away, XXXX tracking # XXXX which was received by XXXX XXXX ( Loading dock ) on XX/XX/23 at XXXXXXXX XXXX 

When I didn't receive the credit for the return I called XXXX XXXX again and was told I needed to call Capital One as XXXX XXXX had issued the credit in the amount of {$560.00} and issued the return reference # XXXX. I called Capital One and they opened up a dispute claim # XXXX and said I would receive a credit within XXXX business days. The credit was applied for a ten day period which gave me a {$330.00} credit balance. Capital One was supposed to mail this refund back to me but instead they reversed the applied credit because I allegedly didn't provide them with some additional information they requested so they closed the dispute. 

On XX/XX/23 I requested that the case be reopened and complied with all of the information they requested, sent them all of the requested documents for the second time and on XX/XX/23 they reopened the investigation. At that time I was told that I wouldn't need to make any payments on the account ( They owe ME money! ) while their investigation was ongoing with an approximate closure date of XX/XX/23. 

Today, XX/XX/23 I called Capital One to check on the status of my dispute. I was informed that while the investigation was ongoing i was still required to make payments on my account or I would face late charges and negative account activity would be reported to the credit bureaus. 

Can you please assist me with this matter?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  # XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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