BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we closed on a streamlined refinance. It was supposed to find on XX/XX/XXXX. 

I received a call from their collections department that my payment was not received. They never funded the refinance. They never notified me of the loan not funding or any issues. To date I have not been provided any explanation other than the loan processor messed something up. 

To date they have not funded or re-closed on my loan. They are threatening to report to credit bureau despite the fact that I have a legal contract/closing document that says my next ( 1st ) payment is due XX/XX/XXXX. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX. 

This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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:
XX/XX/XXXX Wednesday I contacted Equifax to remove inaccurate address that's reporting to my file, and also notice 14 inquires reporting on my credit report that I never applied for or give authorization to pull my credit. Here is the list of inquires that are hurting my credit. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX   XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX As you can well see there numerous repeat inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

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 2021-02-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, Experian and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account was suppose to close at the end of XXXX I received a letter. Subsequently postive funds ntered that account in XXXX. I called the bank and they could not help. 
The information given was that the account had to close before I would receive funds this is a restricted account and no further information could be given. I inquired about when the account would official close and was told this information was not in the file and could not be given to me I asked if I could receive those postive funds which isn't a lot of money, {$300.00}, and was told no I could not get funds from bank branch, Other funds tried to enter that account and failed not sure why these funds were accepted Extremely not pleased with this situation as we are in a pandemic and not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: WA
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:
My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had observed some fraud on my account and went to the bank to see about stopping it. I asked to change accounts and get a new one. They denied my request. They said they were closing my account without my consent. They said I would have access for another 30 days and after that it would be gone. I tried to look at transactions and can not gain access to my account. I therefore can not complete my IRS income taxes based on my finances and payment transactions I made in all of XXXX. And will need XXXX transactions also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been thru a bankruptcy ( XXXX ) we have come thru it paid in full. Mortgage was not included only the couple payments behind when we filed whiled they had claim and was paid. However there have been a couple consent orders after the fact due to the mortgage servicing provider claiming we are behind or owe this magical number they come up with with fees and this or that.. we all agree to a consent order and that the monthly statements will be corrected.. however the only thing that happens is they take our money and no correction is made saying we are current. When we make a monthly payment they put the money wherever or hold in a suspnse account or wherever. We just had another consent order we paid and now they have is behind again over XXXX dollars .. our regular payment is XXXX. We have our bankruptcy lawyer but she is not doing anything. We need help before we are on the streets. We cant keep dishing out money to go down the toilet. And not reflecting payment or current status. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Alorica Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XXXX there was forced placed insurance place on my loan which was then with XXXX Bank. My loan was then sold to XXXX XXXX and is serviced by SST. I have been back and forth with SST and XXXX  to get a credit for the forced placed insurance. I had a lapse in coverage from XXXX thru XXXX. That short period of time does not justify {$11000.00} of forced placed insurance being added to my loan. I call and correspond with SST and they tell me to contact XXXX. I call XXXX  and they tell me to contact SST. 
XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX -sent email to SST & XXXX XXXX XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( told to call XXXX  ) XX/XX/XXXX - called & emailed XXXX  XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( Credit Disputes Department ) XX/XX/XXXX - sent email to SST XX/XX/XXXX - Called SST ( 3 way call with XXXX  ) XX/XX/XXXX - called XXXX  XX/XX/XXXX - called XXXX XX/XX/XXXX - Calle XXXX ( told to call SST )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: LA
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 decided to check m credit due to me being away for the past 2 years. I finally have a new job where I am at home now. My kids decided to tell me that they tried to apply for loans and credit cards in my name online so now I have 12 hard inquires on my account. I called all the companies and they told me there was nothing that they can do about it. I called Equifax and they told me they were coming back verified. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: ALLY FINANCIAL INC.
State: NE
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:
The creditor Ally Auto is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.

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 2020-05-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THIS IS AN AMENDMENT TO MY COMPLAINT # XXXX On XX/XX/XXXX my domestic partner and I opened a joint account for the amount of {$1000.00} at SunTrust Bank branch in Florida located at XXXX XXXX XXXX XXXXin XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/XXXX the account was closed, the {$1000.00} that was paid to SunTrust by XXXX was removed from the account and withheld by SunTrust. 

The officer at the SunTrust branch refused to return our money. She told us the money was locked in the bank 's safety box. 

We were referred to speak with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust XXXX XXXX in XXXX, who said that we had to contact the bank legal department. 

I contacted the legal office of the Teachers ' Union of which I am a member. They sent a letter on XX/XX/XXXX to SunTrust Bank. As of today the letter remains unanswered.

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 2023-03-28
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Numerous times the company has contacted me stating that my credit score would be affected and or damaged if i did not settle the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received notice from our county office that real estate taxes have not been paid from our escrow account. The amount in default is {$3500.00}. The first notice was received on XX/XX/XXXX. The default will be published in the local paper on XX/XX/XXXX. If payment not met, we will also be charged interest. 

The Lender, CMC Funding, has yet to open an investigation after many requests. Numerous calls have been made and am given the runaround. This has not been the best experience with this Lender. 

As a consumer, I find this unacceptable.

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 2017-09-15
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: Account information incorrect

Complaint:
I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

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 2019-12-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase at The Home Depot at XXXX XXXX XXXX, XXXX Fl. on XX/XX/2019 and at the same time applied for a Credit Card. I made it clear that I was paying for the product with my Debit Card and was not charging anything on the credit card. I paid with my debit card and the cashier also put the same purchase on the credit card. I have called Home Depot corporate office, been to the store twice, called the credit department twice, written the credit department but to this day, The Home Depot will not remove the charge from the credit card. The purchase was for {$82.00} and now with late fees the balance on the card is {$150.00} and they continue to send me a bill in the mail.

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 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Please investigate and suspend USAAs banking operations! They prey and take advantage of XXXX  veterans, even during this covid 19 pandemic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On Friday XX/XX/2020 I attempted to call on the phone to Equifax they were unable to verify my identity over the phone I know I answered everything correctly so I'm concerned that there's some misinformation in the Equifax credit report file how do I go about correcting that if I can't reach anybody. furthermore I would like a free credit report cuz recently I've applied for some apartments and Rental credit checks were ran and I had a new bank account so I think I should be able to get a free credit report if not I think it's a new year of gen XX/XX/2020 so I should be able to get the annual free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Harvard Collections, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They Refuse Too Remove This Collection Off My XXXX Credit Report I Had Health Insurance From My Employer During The Time Of This Service And Bill

Company response to consumer: Closed with explanation