BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX CU partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-08-26
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 am a victim of identity theft and need some help clearing my name.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: NH
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:
Hi, There have been 5 attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

Inquiry details XX/XX/XXXX Inquiry fromXX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Institution Information XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXXMisc.

Institution Information XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. 
They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Finance Protection Bureau, I am writing to report that it appears Capital One has presented a false appearance of resolving this issue to the CFPB. Once the CFPB case was closed, Capital One reversed all corrective actions it had made after acknowledging and implementing the resolution.

Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law.

On XX/XX/XXXX I received a letter from Capital One ( See attached Exhibit 1 ). Capital One stated that the charges would be removed and their apology for my inconvenience, which was done.

On XX/XX/XXXX, the CFPB case was closed.

OnXX/XX/XXXX & XX/XX/XXXX the Capital One resolution actions were reversed.

On XX/XX/XXXX, a certified letter ( See attached Exhibit 2 ) was sent to Capital One and received on XX/XX/XXXX explaining that Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law. I have received no response.

Capital One, through their agents was party to the fraud perpetrated against me. Acknowledging this is not the typical fraud case and the types of fraud is growing at an alarming rate, Capital One should have alerted me of this possibility and should re-implement the corrective actions by removing the fraudulent charges and associated interest and fees.

Thank you in advance for your prompt assistance in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dates : XX/XX/16 Amount : {$180.00} Action Taken : Asked for evidence for the authentic contract and or application on file that created the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ACS Education Services
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: Old information reappears or never goes away

Complaint:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We bought this Fridge on XX/XX/XXXX and it immediately started having issues with the ice maker. XXXX XXXX techs came out several times to service and this week XX/XX/XXXX the fridge suddenly stop cooling. Another tech came out and confirm fridge is faulty. We then proceed to request a replacement which turn out to be a nightmare as XXXX customer service is awful and unwilling to replace fridge under warranty. After several calls and pleading with them they agreed. However, we have gotten the bad end of the stick because our model and size is now {$400.00} more and our 10 year warranty ( {$310.00} ) is now void. The rules are not meant to help consumers instead they only benefits XXXX XXXX. We are now left without a fridge for 4 days and counting ... this sucks!!

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 2018-04-23
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is : Express Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I never received letters from the company to validate the debt or to allow me to dispute the debt. I only found out about the debt being in collections by checking my credit report in XX/XX/XXXX. After that, in XX/XX/XXXX, I did contact them to try and work with them and they would not work with me. Months later they filed a judgment, again, I was not properly notified of the court dates so it was awarded to them by default. I received a call in XX/XX/XXXX from them telling me that they had won by default and proceeded to tell me all of the things they were going to do to recover the money for the hospital bill ; such as seizing my assets, credit damage, and wage garnishment. They inexplicably withdrew the judgment and then renewed the collection accounts. Yet again, I found this out by looking at my credit not from them or the courts. 

From the beginning, this company founded on punishing people for wanting to stay alive, has been despicable on every level. They were uncooperative, condescending, and just disgustingly proud of their loop-hole navigation. They exist only to contribute to or be the cause of human suffering. They represent the worst qualities of corporations, Americans, and human beings in general. These are fundamental truths, not opinions. 

Regardless of these impassioned statements, this company did not properly notify me as required by law. I would include these documents in my complaint, however, they do not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!

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 2019-04-10
Company: EQUIFAX, INC.
State: MN
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:
The XXXX XXXX XXXXt is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia

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 2018-04-23
Company: Social Finance, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted a personal loan application on the sofi  website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. 
I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). 
A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. 

Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. 

I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Although all my payments were made including the current month of XX/XX/2021, I was reported as delinquent to the credit Bureau in XXXX, XXXX, XXXX and XXXX. 

I also received a letter dated XX/XX/XXXX, addressing my falling behind in payments and offering help. I made numerous attempts to find out what was the problem, but no one I reached could explain. 
Here are the results of attempts made in the last 7 days : 1. Many representatives left me on hold and eventually their calls was disconnected. 

2. One representative tried to resolve the balance, having me on the line for approximately 1 hour and 10 minutes, and even consulted with a supervisor during that time. He ended up getting disconnected.

3. A nother re
presentative tried to explain the amount due, but said she was going to send it to the " INQUIRY '' group. She asked me to call her back in 2 days and gave me her extension ( XXXX ). Two days later when I tried to reach her, I was told there was no such extension, and calls could not be transferred. 

4. All my request to speak to a supervisor/manager ended up on hold.

5. One request for a manger to call me back ; resulted in no call back.

6 No one was able to provide me with a number to their cooperate office.

One repr
esentative, answered my question, when I asked for a customer relation person, saying " What is that?

I am left with no other option, but to come to you.

In the meanwhile, my credit score and delinque
nt notes have caused a problem with my trying to refinance my home and my records as whole.

I actually found out about all the negative reports when I applied for re-finance.

So for ABSOLUTELY no reason I was treated this way. This company has only been my servicer for less than a year. 

I hope I can get this resolved as soon as possible. Thanks

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 2022-08-11
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: ALLY FINANCIAL INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
Ally Financial Services is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of 2020. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent Ally a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX and XXXX removed the dispute immediately. XXXX stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both XXXX and Ally Financial Services to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.

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