BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: JPMORGAN CHASE & CO.
State: IL
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 recognized that XXXX XXXX submitted unauthorized inquiries my credit for finance 16 times on XX/XX/2018. 

Chase Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. 
I spoke with XXXX on three occasions and asked that XXXX XXXX remove the inquiries. 
I Contacted Chase Auto finance. 
They refused. 
It was very unfair that they did that. It lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech took over my account from Green Tree who I have been with since XXXX. My monthly payment is XXXX a month. I became behind one payment and called to schedule XXXX be added to each future monthly payment to make up for it, which they agreed with. I have since made 2 payments of XXXX but noticed on my statement that they are not being applied to my mortgage. Ditech shows I have not made a payment for XXXX, which I did ( XXXX ) but was not applied to my mortgage. Second was sent by mail ( XXXX ) XXXX and will not be applied to my mortgage. 

Ditech has a statement that says until the past due is paid payment will be held in a separate suspense account ( what is that? ). Those payment will not go toward my mortgage until I pay what they say I am past due. 

So, my agreement with them to add XXXX a month is bogus. I tried to call and the extension for a representative is no longer in service. 
Also, my payment is due on the XXXX but a rep. told me if I pay it by the XXXX there is no problem, I have been doing so. I emailed the contact they gave me to change my due date to suit my schedule and found out it was bogus. 


I am scared they are scamming me since I have been receiving documents that they are going through law suits for this very thing. 

Please help, I don't want to lose my home over one late payment and them not honoring an agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX business was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

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 2019-09-03
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act,  you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: GA
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:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX  removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 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 explanation
Consumer complaint received 2017-11-09
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a " Premier Checking " account with Webster bank in XX/XX/XXXX with promo code " XX/XX/XXXXPremier {$350.00} '' for {$350.00} sign up bonus. 
Upon inquiring about the bonus status I was told on Date XX/XX/XXXX via Secure message " Thank you for your recent email to Webster Online Services regarding a promotional credit.We have reviewed your account and show that it was opened under our XX/XX/XXXX-XX/XX/XXXXPremier {$350.00}  promotion. We have confirmed that you have qualified for the promotional credit by maintaining an average balance of {$10000.00} or more during the month ending XX/XX/XXXX.Your account will be credited the {$350.00} promotional credit on XX/XX/XXXX, as long as the account is still a Premier Checking account at that time, and is in good standing on that date. This means that the account must have a positive balance and not in the process of being closed.If you have any additional questions or comments please contact us through www.websteronline.com or call us directly at XXXX, 24 hours a day, 7 days a week.Thanks again for your email and for allowing Webster to serve your banking needs.Sincerely, XXXX XXXX.Customer Service '' HOWEVER THE ACCOUNT WAS N'T CREDITED AS PROMISED. 

Upon second inquiry via secure message now I am being told that there is no estimated date for crediting the account. 

This is clearly in contrast with the first information via secure message. 

I would like to file a complaint for this misleading information and would like to request that my account is credited {$350.00} at the earliest as promised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your 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 non-monetary relief
Consumer complaint received 2019-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It is with great regret that I must continue to complaint to you regarding the treatment I have received from XXXX and SPS servicing. Inc. 
I have submitted various loan modification packages to no success. I must explained that I have experienced a financial hardship for about five years ; as a result I defaulted on the mortgage for my primary residence. This was also due to the incompetency of XXXX XXXX XXXX and SPS servicing. I was also financially injured as a result of their incompetency and miss interpretation. They have ignore my packages and request for a resolution. They have provoke for me to incurred this debt. I had to file bankruptcy. I still presently occupied this property with my family. I fell apart with the economy including loosing rental income from my XXXX XXXX business. I have had quite a journey. 
I am now recovering and trying in the worse way to come to a resolution with SPS servicing. I am XXXX   XXXX  as a XXXX. I am fighting this economy and succeeding. SPS Servicing has claim that the Private investor on this account had recommended a payment plan that is ridiculous. It actually injures me more. They are not willing to a decent resolution. Please review my financials for I need to keep my home. 'This is affecting my family. 
I have gone as far as doing a forensic review through XXXX XXXX  XXXX XXXX. 
I have attached the report for your review.. It is my understanding that No mortgage assignment was recorded indicating the mortgage lien was ever assigned to XXXX XXXX. On 2009, XXXX XXXX filed a lis pendens and foreclosure lawsuit against me. XXXX XXXX. 
The lis Penden and foreclosure complaint indicates the mortgage assignment had not been recorded with XXXX county Clerk prior to commencement of ligation .XXXX XXXX, XXXX XXXX XXXX di not endorse the note. THERE ARE NO MORTGAGE ASSIGNMENTS RECORDED FROM THEM. 
I also understand that SpS Servicing can not foreclosed with out recorded assignments. I am in the process of trying to find a competent attorney to handle this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
This is in relation to the purchase of a stale food leading to family members having XXXX and indigestion followed by eating the unhygienic food from the restaurant. 

Transaction Amount - {$70.00} Date of Transaction - XX/XX/2019 Credit Card company - Capital One Case number - XXXX Capital One has still made the dispute settled in merchant 's favor even though merchant has provided no proof as merchant copy of the sales receipt wherein I have approved the transaction. 

Merchant has approved the cancellation and is now refuting the fact that they cancelled the transaction. Merchant is known for following malpractices in the area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had noticed 2 hard inquires from XXXX XXXX on my credit reports and that a Discover credit card had been opened in my name with Discover during XXXX 2016, the exact time frame that the 2 hard  inquiries were put on my account. 

I have written to discover numerous times explaining that I did not apply for any credit with them ever and I did not authorize that card. I immediately closed it out and disputed the inquiries and the credit card on my report but the bureaus nor discover care to resolve this with me. 

I have reached a point of where I wanted to bring this to your attention before I proceed with legal action to have it removed from my report. 

I do n't want a discover card, never have, never will, and never applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had to take my car for inspection and it failed costing me over 300.00 to fix. I was unable to make the monthly payment to XXXX XXXX and reached out to them for help and I was told I could not defer the payment for XX/XX/XXXXand was informed I would receive late fees. The was explained to them several times. On Friday XX/XX/XXXX I received 21 phone calls from XXXX XXXX. I stopped taking their calls because I informed them that as soon as I was able to make the payment I would do so and that since the account was opened I have made all my monthly payments on time. I have gone as far as blocking their number and they would just call from another number. I dont know how many times I have to explain why the payment was not made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

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 2019-03-31
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We recieved a notice/levy from the state of Indiana from a third party collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX. The amount of the levy is XXXX and our accounts have been locked. This was claimed and discharged on our bankruptcy in XX/XX/2017 yet we have been harrassed even though the bankruptcy paperwork clearly states and lists the state of Indiana Department Revenue on the bankruptcy discharge paperwork.

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 2020-06-30
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX   XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: MO
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:
I called Experian XX/XX/18 to ask why Experian was violating FCRA guidelines by displaying inaccuracies in my credit file. A supervisor at Experian " lied '' and said that XXXX answered the dispute on XX/XX/18 the same day the dispute was initiated. I asked again " When did XXXX respond to you and say the closed accounts were open ''? And Experian said XX/XX/18. Experian blatantly lied to me and said that XXXX sent an updated response when in reality that was a lie. Experian should be investigated because they got criminals on the phones lying about everything. XXXX is also criminal because they're paying Experian to lie about inaccuracies.

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