BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
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 bankruptcy back in XXXX, it was closed in XXXX. It is now off of my report. The bankruptcy I filed was Chapter XXXX and my mortgage and car were paid outside of the bankruptcy and to not be included. I paid both of those accounts on my one and was never late. I had to dispute XXXX XXXX XXXX which was my car loan because even though I paid always on time and paid it completely off they were reporting it closed -- bankruptcy. My mortgage in the amount of {$34000.00} was showing the same thing. I have filed disputes on and off since XXXX and have not gotten any resolve. My mortgage company XXXX XXXX  XXXX XXXX XXXX says they have never reported my mortgage in bankruptcy nor have they reported any derogatory marks against it. They are also saying they have not reported it closed. I have had to contact Trans Union several times about the account showing closed. Just recently after filing the dispute they added remarks to the account " Closed-Derogatory, '' and put reaffirmation of debt at the bottom. I called Trans Union and they told me it was not derogatory but XXXX is reporting it closed. I was told XXXX just sent them information on XX/XX/XXXX about the account and did not report it open. It doesn't make sense that I have been paying this mortgage since XXXX on time every month for it to report closed and derogatory when XXXX is not reporting it that way. Everytime I call Trans Union they tell me to call XXXX however, XXXX says they are not reporting my mortgage closed nor are they reporting it negatively. My credit score just recently dropped XXXX points thanks to the remarks added to my mortage on their report. Please help me get this issue corrected. It is so frustrating and not fair. If I pay my debt on time I should not receive negative remarks on my credit score.

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX 2016 I lost my purse. Someone got a hold of my wallet and took money from my account. The amount was {$1900.00} and the bank does not want to give me the money back. I sent in a police report and they are still denying 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 2018-01-10
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe that Discover is raising my interest rate because I am making extra payments. I believe they are penalizing me for making extra payments. The letter I received from them stated, " the Monthly Payment Amount has been recalculated to ensure your loan is paid in full at the end of its scheduled repayment period. '' They have a set period of time that they want me to pay the loan and they have a set amount of interest that they expect to receive, so when I pay extra they raise the interest rate to accommodate the change in order to get the desired interest rate at the end of the scheduled repayment period. When I did not make any extra payments, my interest rate never increased. I am trying to pay the loan off early, but I can not when they keep raising the interest rate. They are preventing me from paying the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX shows that an account was opened under my name on XX/XX/2018. I have never had an account with XXXX XXXX XXXX. I have disputed this on my credit reports. The company shows the account closed as a charged off account but they still show the reported balance being {$290.00}. They have remarks showing the account was previously in dispute - now resolved by data furnisher but I need them to show the reported balance XXXX. I have notified the company asking them to do this but they say there is nothing they can do. This {$290.00} on my credit bureau reports is keeping me from getting prequalified to purchase a house. I need this off my credit report as soon as possible because it does not belong to 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 2019-10-14
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX of 2018 {$200.00} was taken from my checking account at an ATM in XXXX New Jersey. At the time I was at home in XXXX XXXX NJ. I had my ATM card on my person and did not give either the card, or the PIN number to anyone else. I noticed the activity and contacted Citibank 's Fraud department. Citibank credited my account but ultimately took the funds out again after an investigation. I was given no details on the investigation and only told that they determined it was not fraud since the thief was able to use an ATM. I am not sure why citibank came to this conclusion.

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 2019-05-07
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed yesterday that my pending transactions were going to put my checking account into the negative. It would've been the last largest transaction. This would result in 1 overdraft fee. This morning, the last largest transaction posted first before the smaller. This resulted in 4 overdraft fees instead of 1. The bank has consistently rearranged my  transactions from greatest to least regardless of how they arrived to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir/Madam Experian will not allow me to freeze my personal credit online. XXXX and XXXX allow the process to be done online but not Experian. They request police report and other documents. as a consumer I should be able to freeze my credit online with no problems. can you please assist me in this matter?
thank you

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 2017-09-24
Company: EQUIFAX, INC.
State: AL
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 submitted several FTC affidavits to EQUIFAX regarding fraudulent inquiries and a fraudulent account by the name of XXXX XXXX XXXX XXXX   which was deleted and placed back on the next 3 days and equifax removed the positive account with the similar name and is refusing to correct the issue they simply deleted the wrong one which was positive and opened XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to NewRez Shellpoint in XX/XX/XXXX/XX/XX/XXXX. I made the XX/XX/XXXX and XX/XX/XXXX payments on time via electronic payment. I set up a recurring payment starting in the month of XX/XX/XXXX. When money was not drafted from my bank account, I checked the NewRez/Shellpoint website and the recurring payment had not worked. I paid the mortgage immediately. I was charge an {$85.00} late fee. I never agreed to any terms that I'm aware of regarding the late fee and did not pick NewRez/Shellpoint as my mortgage servicing company.

I tried to set up the recurring payment again in XX/XX/XXXX, but wasn't able to ( this time I believe because of the late fee that was on the account ), so paid the XX/XX/XXXX balance on time. I called in on 2 separate occasions to dispute the late fee charge and was told a complaint would be submitted and that they would reach out to me with the results via phone or email. They did not contact me. Upon calling in, I asked to speak to a manager and was told one wasn't available, but that the fee would not be reversed. Upon my 3rd or 4th time calling in, I was able to speak to a manager who accused me of lying, that the charge would not be reversed, and that I could submit a complaint via email, but when I asked who that email would be sent to, it was clear it would be sent to the manager I was speaking to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a work-mans comp case that was PAID by my work. Date of Injury : XX/XX/2018. I was contacted by health care facility ( XXXX XXXX XXXX ) several times regarding this issue, than I passed on information to my work-mans claim dept. Not sure why it was forward to collection, but it eventually showed up on my credit report. I have spoke to my work-mans claims reps several times regarding this issue and was provided with the following documentation to support this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was discharged in chapter XXXX Bankruptcy in 2014. 

I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been through an extremely difficult closing process with Quicken Loans Inc. NMLS XXXX XXXX and have had issues with my servicer of previous loan XXXX XXXX NMLS # XXXX. First they took over 6 months to process the loan. I understand that refinance volume is up but over 6 months is way to long. We eventually get to closing, and the first time we schedule closing my name is mispelled on the loan application. 

You would think that the underwriter would see that the loan application has my name incorrectly spelled since they had all of my income verification documents in file. I am guessing the underwriters at Quicken do not review anything. That is a concern. 

So the first closing was scheduled for XX/XX/XXXX with the incorrect name. We rescheduled the closing for the next day at a large inconvenience to my family. 

We planned to go out of the country on XX/XX/XXXX and the loan was expected to fund earlier in the week. The loan did not fund because something was signed incorrectly. I was not called or informed about this issue until I had to call in and figure out why the funds did not disburse. Once I stayed on hold for 1 hour I finally found out what the issue was. I had to speak with a few different people to figure this out. Mind you I was traveling out of the country that day. The stress of this situation was unfair to my family and people I was traveling with. 

Loan Disbursed XX/XX/XXXX, and I figured everything would be fine. I set up my automatic payment with Quicken and I thought that was it. 

On XX/XX/XXXX my wife the co borrrower gets an email saying XXXX has marked us 30 days late. So I call XXXX and they say they have no received the full funds to clear this loan of their books. 

After an hour and half hold the customer service agent at XXXX tells me that they never reached out about this. I call XXXX ( Quickens partner Title Company ) and they pass blame on Quicken and say " it is up to the lender to call me and let me know. '' They were not the title company I chose that was the title company they pushed on me from application. They told me on the phone that they tried calling me on XX/XX/XXXX to fix the shortage issue. 

I never recived a voicemail or a call. The pressing issue is that my credit and my wife 's credit is damaged because these companies did an awful job of communicating and if it was not for me calling each company I would have continued to be late. 

I do not think it is right that my loan is marked 30 days late when it was Quickens responsibility to pay off the mortgage with XXXX and when it didn't go through. 

The issue is due to a lack of communication inside of Quicken. The shortage in funds needed to pay of XXXX came from a incorrect escrow analysis. 

The funds for the closing of this loan were never sent back to Quicken from XXXX. They were notified on XX/XX/XXXX but no one wanted to call me to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of XXXX XXXX . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD XXXX LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND XXXX REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. XXXX is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of XXXX failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

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 2019-10-14
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a collection on my credit file from Capital Accounts LLC I don't owe this agency any money nor do I owe any veterinary hospital. 
I contacted them via mail requesting they validate this account. I have not received anything from them. Yet they continue to report this error on my credit

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 2019-10-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After struggling to make payments a guy says he wants to buy it comes and trys it says he going to buy it and was going to meet his wife and get the money never see the guy again Ive reported to one main financial as well as the police department if I new you could do this stuff I wouldnt have went without food trying to pay a debt back but yet Im being punished when all I would like to do is buy a home before my mother passes away is our system really like that sad very sad

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My boyfriend acquired an account for cable services with XXXX XXXX back in XXXX of XXXX. In XXXX of XXXX I became an authorized user on my his account. I was told by a XXXX XXXX representative that by becoming an authorized user that I would be able to call in and make changes to his account and make payments. At no point of becoming an authorized user on his account did I provide my social security number. My boyfriend terminated his account with XXXX XXXX in XXXX XXXX. On XXXX XXXX XXXX I received an email from XXXX XXXX informing me that XXXX XXXX has put this outstanding balance onto my credit report. It shows as being responsible for {$600.00} with XXXX XXXX on both my XXXX and Equifax reports. I immediately called XXXX XXXX for an explanation as to how I, solely an authorized user could have a balance on my credit report when I was not the account holder and had NOT provided my social security number to them. The representative told me that we, we being my boyfriend and I collectively share debt. I told her that she was incorrect and that I wanted to speak to a manager or to someone to dispute these actions. She then told me that I was absolutely correct and that I do n't have an account with them ( XXXX XXXX ) and that I was only an authorized user and should n't have been charged. She then pointed me to their website to begin the dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
On my credit report with Experian, they are continuing to show accounts that have been proven not to be mine. An Account with XXXX XXXX listed as a Charge Off. I 've repeatly told them, the account is NOT MINE! XXXX and XXXX have both removed this charge off account from my report after being deemed that it is a fraudulent account. 

They are also showing a Public record from XXXX County Illinois that I 've researched on my own, spoken to the actual courts and they can not find anything, I 'll attach a screen shot with proof proving the account is not mine. 

I have submitted police report to the agency and they are still allowing my credit to be ran fraudulently, I now have numerous credit inquiries from various lenders that I did n't authorize. I have n't had my credit ran since XXXX of 2016 so anything after that, are fraudulent and should be removed. I have a credit fraud alert on my reports and it 's not stopping them from being ran. I finally asked for. Credit freeze today.

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 2019-10-14
Company: Experian Information Solutions Inc.
State: OH
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:
There are numerous hard inquiries from XXXX. They are on all 3 of the credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.

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 2019-07-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2017 filed Chapter XXXX. XXXX XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XX/XX/XXXX shows on Experian as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

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