BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-30
Company: SYNCHRONY FINANCIAL
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:
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with Syncb/Care Credit in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be 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 2018-07-02
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced through Ditech. I have PMI on my mortgage. I performed a substantial amount of work on the home and I called Ditech to ask what the procedure is to remove the PMI due to increased value of the home. The representative stated that I needed to order an appraisal and forward it to an email address she provided. I specifically asked if I could order the appraisal myself and she stated that was their procedure. I informed her that I was having an appraisal done by another lender as part of a HELOC application and I asked if could use that appraisal and she said absolutely. I submitted the appraisal as instructed and was called a day later by Ditech informing me that they could not use the appraisal as they need to order the appraisal. When I pointed out that this was in direct conflict with the information I was given the representative acknowledged that I was given the wrong information and promised to escalate the issue to her supervisor for an exception. I got a call today ( 4 days later ) informing me that they can not use the appraisal and would be willing to reimburse me for the cost of the appraisal if I provided them a bank statement showing the appraisal fee being paid from my account. This is not satisfactory as I want to eliminate my monthly PMI of {$100.00} per month and I followed the protocol they provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus XXXX  and Equifax. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on Equifax. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. Equifax investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXX XXXX was deleted that were still in good standing. As of XX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the XXXX report went into  paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Exeter Finance Corp.
State: FL
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 did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2018-06-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Tried to change account involving XXXX XXXX. As of today XX/XX/2018 no monies that are held have been transferred into my business, since mid, XX/XX/2018. Having made numerous phone call filling out duplicate XXXX forms. Two days ago I spoke with branch mgr to no avail. He was given same runaround. XXXX, XXXX & XXXX are all involved. My monies are being held in " limbo '' as one person stated. Evert time I call I speak to a new person. It appears they haven't a clue and to think of all the money that goes through these people it amazing as to the obvious incompetence. Amount they are holdind is approximately {$5500.00}

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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX and Trans Union are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.

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 2018-06-30
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: Their investigation did not fix an error on your report

Complaint:
These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan to value ( XXXX ) is currently at 75 %. I contacted this company to remove my private mortgage insurance since I am still paying when I no loner required to do so. I previously requested removal of PMI which has not occurred. As a result, I would like it immediately removed and reimbursement of the all PMI since XX/XX/2018 ( when my loan was transferred ). This company continue to state that it takes time or they haven't received my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SOMEONE STOLE MY IDENTITY AND STOLE MONEY FROM MY ACCOUNT WITHOUT MY AUTHORIZATION. THE BANK WILL NOT PUT THE MONEY BACK EVEN THOUGH THEY KNOW IT WAS NOT ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
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:
I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
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 information incorrect

Complaint:
XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is 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 2021-04-24
Company: INTERFIRST MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/ Madam, The following are the pertinent details : 1. Our complaint is on Interfirst Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX # : XXXX ) 2. Our original Mortgage amount was for {$170000.00} at a 10 year Fixed rate of 2.375 % closed on XX/XX/2021 and the monthly payment was {$1.00}, XXXX XXXX. During the past 4+ months, in addition to the monthly payments paid on Bank Autopay on the 1st of every month, we have also paid nearly {$40000.00} toward the XXXX XXXX XXXX XXXX. 

4. They have not given us any interest credit/ consideration on these additional payments in their monthly statements and hence not given more towards Principal from our routine fixed monthly payments at fixed interest rate ( i.e. split with higher amount toward Principal and lower amount toward Interest ). They are using our additional payments completely interest free for their own benefit which is UNFAIR to Consumers! 

5. Our numerous discussions with them didn't resolve this issue and follow fair Consumer Protection Practice as our previous mortgage companies ( more recently XXXX XXXX XXXX XXXX ) have correctly and fairly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: VA
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 like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: NJ
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:
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
Equifax is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX/XXXX  XX/XX/2018 I have contacted Equifax to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX is XXXX XXXX XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: MCS MORTGAGE BANKERS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage Company ( XXXX XXXX XXXX ) gave us 10 days from the date of closing ( XX/XX/2018 ) to meet specified conditions as per the appraisal company to make the property habitable. The date specified was XX/XX/XXXX. We met the guidelines and there were instructions as per XXXX XXXX with XXXX XXXX to release the escrow holdback of {$10000.00}. We still have not received our monies and are in jeopardy of being late on mortgage and car payments.We requested the money to be wired and were denied. Also we were promised a lender credit, there was never a rapid re score so as a result we were locked in at 5.7 interest rate but we're assured we would get a lender credit. I am attaching the proof. Also XXXX XXXX the VP provided tracking numbers as well, and said they would cancel the first check and would overnight a new one, tracking was provided. Now the check is lost. Her reply was they need to locate the check, why have they not wired us the money. There is so much wrong here and I will be filing suit as well. Please advise as quickly as possible. Thank you in advance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Capital One Venture One Visa Card. I have all of my credit cards set up for automatic monthly payments through my XXXX XXXX  account. Somehow, Capital One attached a Capital One checking account that I have not used in a couple of years for my automatic payment, even though I entered the XXXX XXXX information. On XX/XX/2019 the withdrawal was denied because there were insufficient funds. I did not receive a notice from the Capital One Visa card or the Capital One bank. On XX/XX/2019, they attempted the withdrawal again. I found out via a phone call at the end of XXXX that the card payment was over 30 days past due. I promptly set up the correct account over the phone and asked if the late fee could be reversed since I was never notified. I also asked that it be cleared on my credit report. I was told it was over 30 days past due. 
In XX/XX/2019, I sent a letter to all three credit bureaus asking that this item be investigated, as it was an error on Capital One 's end - I never attached that Capital One bank account for automatic payments. All three bureaus reported the issue was investigated and nothing changed on my credit report. As a result, my credit score has plummeted from XXXX to XXXX then went back up to the mid 600s, where it remains now. Two of my creditors closed my accounts immediately. Four of them reduced my available credit immediately. One raised my interest rate. This has resulted in further dropping my score as my percentage of used credit has increased. Capital One then changed my minimum amount due from {$53.00} per month the {$270.00} per month. In XXXX, I wrote a letter to Capital One asking that this item be corrected. There has been no response. Now I am receiving invitations from Capital One to take out an auto loan. It is as though they have destroyed my credit for their benefit. I have not had a late payment in the past 7 years. I would like to have this item removed from my credit history. Please help in any way you can. Thank you.

Company response to consumer: Closed with explanation