BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Settled the account in XX/XX/XXXX the last transactions in the beginning of XX/XX/XXXX accompanied with a hand signed letter saying we would receive a satisfactory of the loan document along with the mortgage note and deed. Now the most recent letter from the bank is saying I'm in default and 30 days delinquent. I have went to the branch in person was told they applied the funds incorrectly on there end and promised me I was good and settled now we owe everything all over again I don't understand how they can do this and get away with it I'm XXXX and feel I have been taken advantage of me I'm still learning and contracts and law is complex and takes time and experience please help me. I want to know who holds the note to this mortgage and I want to know why the banks think they can steal all the escrow then re apply my principal curtilment payment s back to the outstanding balance!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: STERLING JEWELERS, INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is the account which I entered into in XXXX ( XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the XXXX XXXX XXXX who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: AR
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 have been trying to work with the credit bureaus XXXX, Equifax, and XXXX  with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
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:
XX/XX/2018 sent a request to Equifax to open their files and provide me with documents who match with mu records because what they are reporting in my credit is inaccuarte and is hurting dramaticly my score and my ability to access better chances in my financial situation. 
I sent proof to Equifax with notarized letter and certified mail showing inaccurate information with accounts containing information from the same source but with different values. 
My requesting was to remove and delete those accounts brcause clearly Equifax is in violation of the FCRA posting wrong information in my credit report vs the other 2 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 2019-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One advertises that you earn XXXX miles for every charge you make on their Venture One credit card. I have accumulated XXXX miles which they claim I can use for travel, cash back, credit to my account or gift cards. They tell me that this is worth {$370.00} on the website and when I call them. I tried to use this to lower my balance on the credit card, and it would only lower the balance by {$180.00}. I called them up and they told me that if I wanted cash back they would only redeem the miles at 50 %. I decided to try using my miles to get gift cards. If I wanted a {$100.00} gift card I needed to redeem XXXX, XXXX miles. So, in reality I earned XXXX miles for every {$100.00} charged, but I need to redeem 125 % of the miles for a gift card. This is deceptive advertising. Sure, you earn 1.25 %, but they take back the extra .25 % when you redeem the miles, making the actual rate that I earn 1 %, or .625 % if I want cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously made a complaint about a collections company representing XXXX XXXX XXXX company regarding an auto insurance policy that I canceled. A few months after I canceled the policy the company, XXXX XXXX contracted a debt collector that made allegations that I owe {$1700.00}. I questioned the accuracy of this balance since I paid monthly and canceled the policy before the coverage expired. I also asked the company to send me a breakdown of these charges so I can verify accuracy of what they are alleging I owe. This collections company did not send me this information, and also stated in the last complaint that they would stop contacting me as this debt is not valid because they can show no proof or breakdown on what it consist of. After they made this claim, I received another letter dated XX/XX/18 that also stated I owed this same amount with no description of what this debt actually consists of, with no breakdown whatsoever. This company clearly has no respect or concern for the statement they made to the CFPB regarding them no longer contacting me in regards to XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.

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 2018-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to get credit profile with Equifax. Credit profile establish with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-09-06
Company: SYNCHRONY FINANCIAL
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
Issue is with PayPal credit and PayPal Mastercard : Credit is funds from checking ; not to be confused with PayPal Mastercard. 

Two charges were added to both PayPal credit and Paypal mastercard ; meaning I paid twice. 

XXXX in the amount of {$5.00} through XXXX XXXX ; charged twice Transaction id for credit : XXXX XX/XX/ XXXX for shipping label transaction Id for paypal credit : XXXX These same charges are on my PayPal Mastercard, I'm attaching all both bills so that other will be able to identify all the evidence.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit 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 non-monetary relief
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as Transunion, XXXX  and 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 2021-11-24
Company: EQUIFAX, INC.
State: NC
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:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For my XX/XX/2022 payment, I paid the previous due amount of {$1800.00} by XX/XX/XXXX. However, my bill amount had increased due to a change in ESCROW and the amount due was {$1900.00}. The company " held in suspence '' the money I sent in, then waited until the XXXX ( confirmed by their customer service ) to generate a letter to notify me of the issue, which was then mailed. They did not attempt to email me which is my preferred method on contact. I believe this was in an attempt to push me past the XXXX so that they could 1 ) charge me a late fee ( waived because I called ) and 2 ) increase the daily balance of my loan, therefore increase their interest collected. Fortunately for me, I believe I did receive the letter in time to bring the account current before any damage may be done to my credit report. However, given the intentional slow nature of their notifications. I believe there was intent to push my account late and possibly past due 30 days. This apparently happens regularly per my conversation with their customer support agent. They are also using the customers partial payments to earn interest and charging customers additional interest on payments made but not applied to their loans.

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 2019-08-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 I applied and was approved for a XXXX credit Card in a XXXX  store in XXXX, CA. I used the store 's computer and created an online account with a login and a password. I purchased two tires and charged them to the account. I was given a receipt that included only the last four digits of the card. It has been 23 days and I have not received the card. I received an email saying my bill was available online but when I login with the info. I created at the local store it accepts the login but requires me to enter the CC account number and the security code from the card as a verification step. I do not have the card. I've called twice. The first time I called they told me to be patient, the card would arrive soon. The second time they claimed they tried to call me to verify my info. before sending out. They then verified over the phone and said they would expedite card delivery and I'd receive in two days, its been one week and still no card.All my info. was verified during the application process in the store. I did not receive any call nor any messages. Both times they said they could not give me the account number over the phone. This is preventing me from making a payment and can cause me to be late and impact my credit. Their behavior is fraudulent and therefore illegal.

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 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: TX
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 the consumer purchased by XXXX XXXX XXXX on XX/XX/XXXX from XXXX and the original loan was through Santander Consumer USA without my consent my loan was bought out by XXXX XXXX XXXX and it was last reported on my credit report XXXX 1XXXX.I the consumer would like to file a complaint for the misuse of my information and it being traded to another company without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since I opened my account with Bank of America my account was good but my problem is the in XX/XX/XXXX my account had a discrepancy of {$11000.00} about with the calculations I did in XX/XX/XXXX I had an ending balance of {$18000.00} which I spent {$7000.00} from XX/XX/XXXX to XX/XX/XXXX than on the XXXX of XX/XX/XXXX I got a email saying my account was insufficient I went to the bank and made the complaint and they said I had spent it so the handed me a statement from XXXX until XXXX for me to check when I did the calculations THE TOTAL SUM OF MY WITHDRAWALS AND SUBTRACTIONS DID NOT MATCH WITH WHAT I HAD REALLY SPENT MY ENDING BALANCE WAS TAKEN AND DISPERSED THROUGHOUT THE WHOLE HISTORY OF MY STATEMENT that I noticed when I added them up and the DICREPANCY IS OF ABOUT {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Keynote Consulting, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the year XX/XX/2014 I proceeded to contract a company 's services named XXXX XXXX XXXX as a activities organizers for adults at XXXX Texas for a total of {$1.00} and paid to begin around {$400.00} but now they are collection the rest of the money. 

They sold a credible idea but this just did not work for my expectancies and I decided not to go along with them and cancel the subscription in the right time as they demanded but a few months later I see it as a collection account. 

Is now under Keynote Consulting I.

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 2018-11-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have been writing every 30 days to XXXX and Experian about a Bankruptcy that is showing on my credit and i have wrote XXXX and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account showed up on credit report. No prior communication received. Asked company to validate debt. All they provided was a balance with no invoice stating where balance came from and a copy of a lease. Did not receive anything stating company’s right to collect this unverified debt. Credit score is harmed by invalidated debt.

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