BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: Midwest Acceptance Corp.
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: Account status incorrect

Complaint:
I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Utah System of Higher Education
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
i have never recieved any payment information pertaining to my loan, i checked my crdit report and see that XXXX has reported me to the bureaus, until then i have never ever recived any notification that the loans were sue or i would have easilly paid them on a monthly basis. addtionally i had loans for XXXX now i over XXXX. 

it appears as if XXXX sent me elctronic notifications of which i never recvied, i also never ever recvied any documention from XXXX via USPS mail. i am more than willing to pay the loans monthly, but would appreciate if they can remove the negative info from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the start of my US Bank mortgage in XXXX, it has not been serviced correctly. Each month there have been mistakes in the statements and these continue to be ongoing. I call US Bank on a weekly or monthly basis to remind them of the issues on my account and to open new " tickets. '' There has been no manager accountability or adequate follow up to correct these issues going on for years, despite me speaking to managers in customer service, the escrow department and the tax department. 

-USB incorrectly read county tax information and recorded my XXXX taxes as late, opened an escrow and paid my XXXX taxes in advance. US Bank has recognized they made a mistake in opening the escrow, have received the full refund, but is now charging me fees to close it. 

-there have been several months that the principle is applied incorrectly, causing a late status on my account for the interest portion. I have to frequently request this is updated, and my credit report adjusted. 

These two issues remain unresolved as of XX/XX/XXXX, despite me being told they were being resolved ( multiple times including in XXXX ). I have paid two different escrow amounts in full to close the escrow account, I am now being told a third and different amount needed to close the escrow. US Bank has 1. signed me up for products that I do not need or agreed to 2. charging me for products that I do not need or signed up for. 

US Bank needs to take responsibility for the issues on my account that THEY caused. I have paid my mortgage on time every month since my mortgage started.

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 monetary relief
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was Washington Mutual then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Bull City Financial 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 am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Bread Financial Holdings, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I signed up for 12 months no interest financing at XXXX XXXX. I received my first statement with a due date showing the XX/XX/XXXX of every month. I then set up my bank for auto bill pay for the XX/XX/XXXX of each month so the check would have plenty of time to reach them. On the XX/XX/XXXX statement the bank changed the due date to show XX/XX/XXXX when the statement stated XX/XX/XXXX. I was unable to make the necessary change in time and was charged all 12 months of interest. {$840.00}. 

I feel this is criminal activity and should be looked at closely. I made every payment on time and missed the last one. I am asking that they reverse all interest charges as I have paid my balance in full. Now they are trying to hurt my credit. I received a letter from XXXX  showing a negative item. This is really unfair. 

Please let me know what I can do to rectify this. I reached out numerous times and there was no satisfying resolution. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt appeared on my credit report in XXXX XXXX 2014. It lists an apartment complex that I never lived in, stating that I owed a debt for it.They started calling me telling me that if I didn't pay the amount of {$2600.00} I wouldn't be able to get an apartment and giving me quotes from customers saying that the debt with them ruined their credit and they needed to pay it off. Being a young college student, I paid {$1100.00} total and then I did research and saw that their tactics were illegal and that I could dispute the collection. I tried to dispute the debt countless times and they called me almost daily telling me that I needed to pay this off at all hours of the day and night. Last year, I gave them a cease and desist letter and they haven't contacted me but still haven't removed the debt that was never mine. They were never able to send me a signed contract validating the debt. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not aware of when this hospital visit occurred. I am pretty sure that I had insurance at the time since I do and have received Medicaid for quite some time. I tried to see if I could settle with a smaller amount and they told me no. I am a full time XXXX and haven't been working for a few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2020-10-09
Company: Bread Financial Holdings, Inc.
State: MS
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:
I have repeatedly contacted XXXX  in regards to opening my account. They have told me I need to contact creditor. Creditor informed me that they are reporting monthly as account being opened. XXXX  has yet to update my Victoria Secret account as opened. They are reporting closed. I contacted them almost everyday until XXXX XXXX  reported on XX/XX/2020 but XXXX  still have it listed as closed. XXXX  hardly updates account and dont provide the correct credit score according to the scoring model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: RENASANT CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Renasant Bank provided me with three separate FHA loan amounts and approvals in a 30 day period, to then deny the loan, even after locking in my rate. 

The employees of Renasant Bank were incompetent in their duties and did not due their due diligence interpreting the FHA guidelines. 

Renasant Bank shared my personal, credit and financial records with other mortgage lenders without my knowledge or consent. 

PLEASE SEE DETAILED RECORDS AND NOTES ATTACHED TO THIS COMPLAINT

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 2020-10-09
Company: Caliber Home Loans, 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: Account status incorrect

Complaint:
Caliber Home Loans, continues to report outdated, derogatory remarks to my XXXX  Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with XXXX  Credit Bureau on XXXX and on XX/XX/20. Received a response from XXXX  on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, Caliber Home Loans FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a Caliber Home Loan representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 previously submitted a complete Identity theft report # XXXX and XXXX, XXXX and Transunion have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.

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 2018-12-27
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. 
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.

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 2018-01-27
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After review of my credit reports I noticed a collection from Consumer Collection Management, account # XXXX in the amount of {$1500.00}. I sent Consumer collection management a certified letter requesting validation of debt. I received a letter from CCM which was a print out from XXXX XXXX stating I owe a debt with only the month of XX/XX/2016 provided. 

Consumer Collection management placed this debt to my credit reports without providing me the initial 30 day notice of debt. I am unaware of this debt and I would like CCM to provide a contract with my signature stating I owe CCM the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: NY
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: CT
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 would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high 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 2020-10-09
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to get a loan from a bank for myself. The bank says I have perfect credit, no late charges, no late payments, XXXX credit score, I own my home and my car. Everything perfect. But I seem to have one dispute from a few years ago that was resolved and fixed with no charges, etc. Citi bank has it on my report of this dispute, says is resolved, but can't remove it. My loan officer says that this little glitch will stop the loan. I asked it be removed and also that the credit report company erase it. Neither has been done. I can't believe I can't get credit as a perfect credit person because of this.

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 2021-11-11
Company: WELLS FARGO & COMPANY
State: NY
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 accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFFNB/XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
57 Inquiries on my report. I did not authorize most of the inquiries and want them removed please.

Company response to consumer: Closed with non-monetary relief