BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There account Reporting from DISCOVER FIN SVCS LLC is all ready paid. Can you please help me remove it, is affecting my credit Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, I mailed a letter requesting that inaccurate information listed on my credit report be verified. It has been over two months now and I still haven't received any results of an investigation and these inaccurate accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An insurance policy was paid in advance with XXXX XXXX. Sent the company proof of payment sent by XXXX and my bank statement showing the funds were paid. Moreover, contacted the collections agency and sent them the proof of payments and they have refused to answer or remove the information from my XXXX  credit report. Furthermore, the collection agency made a hard inquiry on my XXXX  credit report, that stays for 2 years, I've never done any business wit this company nor would I solicit credit from them that they are not in the business of offering. This company is clearly trying to take collect on something that was already paid for, which is wrong and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report I found an account in collection that I have no knowledge of. This was either a result of error or malpractice.

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 2021-01-29
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have been working on behalf of a struggling homeowner to attempt to facilitate a short sale on his home so as to pay off the bank and to avoid a foreclosure on his credit report. The loan in question is the 2nd mortgage with KeyBank. We have been at this process for the past 9 months with absolutely no response or resolutions. I am a professional who has completed around XXXX short sales and I am well skilled and knowledgeable in this field. This has to be the most disastrous experience I have ever had working a short sale. There are no phone calls back to me when I call to get a status update. each time I call I'm told someone in the Mortgage department would call me back in 30 minutes, 1 hour, and other times, etc. I have yet to receive a callback and when I call to complain I'm being told that there is no one in the department to he ; p me. 

I did call your corporate office and filed a verbal complaint with XXXX. As the saying goes the apple doesn't fall too far from the tree. XXXX is just as unreliable and refuses to call me back. She states that she will reach out to the department to advise them to call me. I have yet to receive a callback, I'm requesting your assistance as I have exhausted all means possible and my client ( homeowner ) is terrified that the bank will auction off the home without giving them the opportunity to settle the matter in a mutually beneficial way. I understand that we are in very unprecedented times and staff is low. I have taken this into consideration with the bank as I have done with all my other banks I deal with. Unfortunately, this has gone beyond any type of courtesy that can be given The name of the person in charge of this file is XXXX XXXX He does not return calls as promised and his colleagues apparently want to defend him. Please have this bank investigated and some form of punishment is needed to deter this behavior. I can only imagine the number of homeowners who do not have an advocate like myself who have given up and lost their home I have initiated a complaint also with the New York state banking committee I will await to hear from someone My contact info is asl follow XXXX XXXX XXXX XXXX I have a long list of times and dates and some recorded calls to provide as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2020, I mailed a dispute to TransUnion with a certified receipt. My dispute was for the inaccuracy of two Chapter XXXX listings under Public Records of my credit report. Enclosed with the dispute letter was a letter from the US courts verifying that the courts do not provide any information to Credit reporting agencies. I also sent the same dispute to XXXX. TransUnion completed their report on XX/XX/2020 with a result of finding the Chapter XXXX information to be accurate and recommended disputing my inaccurate information with the third-party vendor, XXXX, whom furnished the information to TransUnion. XXXX completed the same dispute on XX/XX/2020 and stated that the information could not be verified in the timeframe oulined by the Fair Credit Reporting Act and subsequently removed both chapter XXXX filings from my XXXX report. I filed another dispute with TransUnion, sent by certified mail on XX/XX/2020 for reinvestigation of the the inaccuracy of information of the chapter XXXX listings on my credit report. Enclosed with the dispute letter sent to TransUnion were my XXXX response and the letter sent to me from the US Courts stating that the courts do not provide information to credit reporting agencies. TransUnion completed the XX/XX/XXXX dispute on XX/XX/2020 stating that the information was accurate and will remain on my credit report. On XX/XX/2020, I called TransUnion and verified with their Dispute Supervisor that the documents that I mailed, the US Courts letter and the XXXX report were received. The Dispute Supervisor read both documents to me. The Supervisor stated that TransUnion will have to have the courts send them a letter stating that both filing of Chapter XXXX were discharged. The Supervisor read the letter from the US Courts stating that they do not provide information to credit reporting agencies, but insisted on refusing to remove the information from my credit report. TransUnion refusal to remove the inaccurate information on my credit report is clearly a violation of both the Federal Trade Commission and Fair Credit Reporting Act. Please assist me in having TransUnion remove the inaccurate information in accordance with the Federal Trade Commission and Fair Credit Reporting Act.

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 2021-01-21
Company: ALLY FINANCIAL 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:
On XX/XX/2019 ally financial inc, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote ally financial inc a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under section 1681 ( b ) a person shall not or use or obtain a person consumer report for any reason unless-the consumer report is obtained for which the consumer is authorizedto be furnished under the section- ( 2 ) to add on i never gave this company my permissible purpose to run this unauthorized inquiry on 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 2018-07-10
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: Account status incorrect

Complaint:
The XXXX XXXXXXXX account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you 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 2020-11-16
Company: Bread Financial Holdings, Inc.
State: GA
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:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked Chase to close my Chase XXXX ( XXXX XXXX ) Card in XXXX this year. I have had this card service for the last 6 or 7 years and decided to close the account because I no longer want to pay the annual {$95.00} fee that Chase charges. My annual renewal was to occur in XX/XX/2018. I have called Chase several times and although my account has been closed, my on line statement continues to show a delinquent balance of {$95.00} plus accrued interest of {$1.00} through the latest statement ( attached ). I am concerned that this may adversely affect my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
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: Information belongs to someone else

Complaint:
I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.

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 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
date : XX/XX/2018 {$550.00} this is not my debt, i have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I submitted a compliant against Resurgent Capital Services LP CFPB case number # XXXX. Resurgent Capital LP indicated in their response to my previous complaint that they would submit for account # XXXX negative Tradeline to be removed from all three of my credit reports on XXXX of XXXX please review attachment sent, however the negative account has continued to be report onto all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An item is listed on my credit report from the company. I am not aware of any account from the original creditor at the time the account is stated it was opened. I have disputed the account with the credit reporting agency several times, but the issue has not been resolved. I have no idea where this account came from as I have not had an account with the original creditor in many, many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of identity theft, there are fraudulent unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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 BANK XXXX XXXX XXXX XXXX XXXX XXXXA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.

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 2021-01-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A new servicer, Freedom Mortgage purchased our mortgage and did not properly escrow our insurance policies which are a fire policy and a wrap-around policy. Both policies have always been paid through an escrow account. Because of this mistake our fire insurance has been canceled. We're trying to get this fixed while we can still reinstate the fire policy. So far Freedom Mortgage has met none of their deadlines, have not added the insurance back to escrow, and have no paid the policy. We're at risk of a serious increase in the cost of fire insurance if this is not redeemed on time. We're also at risk because we do not currently have insurance in case of a fire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
hello, I applied a HUD Fair Housing Complaint on XXXX but this evening I received a response from them that my claim has been closed for lack of their jurisdiction power and asked me to contact CFPB. Thanks for your help in advance. 

What happened? : On XX/XX/2021, I submitted a request to BoA to refinance my home. The mortgage agent ( XXXX XXXX ) provided me with two options, with and without points. I did some calc and said using points does not work for me so lets do the refinance rate without point option.

He told me that it is not a big deal and it can be changed easily and asked me to have the rate with point option and wait until load approval. 
I agreed but in several times after our initial conversation I reminded him to remove points from my rate in our phone calls or via email. I can provide a copy of my email I sent to the agent on XX/XX/2021 on the subject ( please see attached ). He did not respond to my email but on the phone repeated that it can be changed easily. 
The last time I reminded him ( via email ) was on XX/XX/2021 ( please see attached ) which he sent me mortgage document and I was ignored again until the day of closing ( on XX/XX/2021 ), I notice that the documents still have the wrong rating so did not sign the closing document. 
On XX/XX/XXXX, he sent me a new mortgage estimate in which the rating ( without point ) is higher than the original one. However some prepaid items like Insurance Premium and property tax have been removed to make the numbers looks good but I have not accepted. from then, they keep pushing me to accept their new rate ( so far sent me 3 random closing date w/o my agreement ) or cancel my application.

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 2019-11-13
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently, I paid off my credit card balance with CitiCards. Today, I logged into their mobile application and could not see the statement generated for XXXX. CitiCards did not produce a statement for the period even though there was a starting balance and 3 payments made, totaling {$5500.00}. I used their online chat to report the issue and the representative ( XXXX ) advised to check their full website. I did this and the statement was not present. Then, he claimed that they do not generate statements when the ending balance is XXXX. He offered to physically mail one to me. 

I asked for escalation and he told me to call the call center. I did as instructed and was advised by XXXX that she reviewed with her leaders and they agreed that they do not need to provide statements when the ending balance is XXXX. 

I see this as a clear violation of Regulation Z Section 226.7. Please investigate and advise.

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