BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Flagstar bank for a property in the USVI.  I was a victim of hurricane Maria. The property was hit very hard, I lost the door, roof and all patio 's and decks. The property was insured through XXXX XXXX. It took a year of battling to finally get them to pay the claim, I received the check which was payable to myself and Flagstar Bank. When reaching out to Flagstar concerning the funds, they refused to endorse the check indicating it was " mutually vested interest '' to only release portions of these funds. I would like it to be said that I have never been late on a mortgage payment, I did rebuild the property to somewhat safety standards and have spent almost {$100000.00} out of my own pocket to date and have still not gotten the insurance to pay for emergency expense, contents nor additional living. Flagstar to date has yet to contribute anything, not a contractor name, not a waiver of a  mortgage payment, nothing but resistance. 

We agreed via email that if I endorsed the check to them, they would release 50 % of the funds with 3 days of receipt. They received the endorsed check on XXXX-18 @ XXXX XXXX. 

The only correspondence has been an email indicating the funds will be released no later than XXXX-18 and an email to myself and a contractor I've never used asking for company tax information. 

There is nothing contractually stating they can not release the funds in full to allow for the property to be rebuilt. We agreed prior to my endorsement that the funds would be released within 3 days. I would also like it noted, the funds they are in possession of are more than I owe them for the contract. 

No one should have to go through a category 5 hurricane, loose their home and all property. No one should ever have to battle with their insurance company for over a year to get them to pay a legitimate claim. No one should have to battle with their mortgage company to get them to release funds that they have no entitlement to in the name of making money off the interest off of peoples demise. I have lived up more than my end of the contract and was expecting them to do the same. 

NO ONE should have to go through the stress this has caused in the name of money.

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 2017-09-21
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: Account information incorrect

Complaint:
XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 reached out to all 3 Bureaus Transunion, XXXX, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at transunion by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.

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 2019-10-24
Company: Regional Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collector called me several times at my place of employment even after I asked them not to more than twice. This debt was also submitted to a debt collector without XXXX XXXX   XXXX Hospital informing me of this outstanding balance. The company closed and did not inform me of closure or outstanding bill, just went ahead and submitted to a debit collector without the chance to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We completed a modification in XXXX due to Hurricane Irma with the first payment due XX/XX/2018. I contacted the servicer Pacific union financial as the recoverable corporate advances had never been satisfied. They stated that it could take a little longer. I allowed some time but now the amount was going up. I had not been late at any time. I kept being told someone will call you. I finally got a young lady on the phone and she advised that they forgot to cover the recording fees for the mod and so they had to charge me for it now. Understandable to be charged but annoyed it was taken care of as was originally explained to me. I then explained that it started at XXXX then went to XXXX then to XXXX back down to XXXX and back up to XXXX and now reflects XXXX. I requested explanation of this as it does not make sense with what she said and requested an accounting of the charges and how funds were applied. I was told that I was disputing and to write in. I cant dispute what I don't know and need help to get this information and possible correction if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
XXXX XXXX was opened due to fraud and shall delete from my credit report. 
I request to see the account ownership and proof that show how this account was opened. 
send me the wet signatue and account ownership because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: UT
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 notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: TX
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'm sending this letter to get inaccurate information removed that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX, Equifax and XXXX to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: NJ
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 have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score. Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms. 

This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. 

https : //www.chase.com/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: FL
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:
experian dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.

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 2017-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robo calls at different times of the day and from different phone numbers. XXXX XXXX is what pulls up on phone ID. We have no dealings with this company and it will not stop. Madding ... .First calls start every morning at XXXX. I have blocked on XXXX and on XXXX. Phone rings once and stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is a collection with XXXX XXXX reporting on my credit file. I have asked the credit companies to validate the debt because I am XXXX XXXX XXXX covered under the VA so this would be under the VA. It may be a mistaken name or something like that but my medical coverage is the government. Please help me with this

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 2018-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX, PA XXXX I HAVE DISPUTED WITH EQUIFAX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH XXXX OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: U.S. BANCORP
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I HAD A PLUMBING COMPANY COME TO MY HOME AND DO WORK FOR ME WHICH THEY CHARGED ME XXXX I PAID THEM WITH MY FEDELITY VISA CARDND  I DID AUTHORIZE THIS CHARGE AND GIVE MY CONSENT FOR THEM TO TAKE XXXX XXXX OUT OF MY CREDIT CARD ACCOUNT. HOWEVER A FEW DAYS LATER THEY CHARGED MY ACCOUNT AGAIN XXXX WITHOUT MY AUTHORIZATION OR CONSENT TO DO SO.. I CALLED THE  PLUMBING COMPANY AND ASKED WHY THEY CHARGED MY ACCOUNT AGAIN AND NO ONE HAS A ANSWER FOR ME. I REPORTED FRAUD TO MY FEDELITY VISA CARD ON XX/XX/18 SPOKE TO REP XXXX ID # XXXX WHO SAID THAT HE FILED THE FRAUD COMPLAINT AND GAVE ME A CASE # XXXX I RECIEVED A PHONE CALL FROM A XXXX  @ XXXX EXT XXXX BUT THAT EXT DOESNT WORK SO I CALLED BACK AND SPOKE TO REP XXXX ID # XXXX WHO WAS SO NASTY AND RUDE AND KEPT CUTTING MY NIECE OFF WHO WAS ON THE PHONE HELPING ME SO WE ASKED TO SPEAK TO A MANAGER XXXX MANAGER GOT ON THE LINE ID # XXXX AND SAID THAT THE FRAUD WAS NEVER FILED IT WAS ONLY PUT IN DISPUTE SO WE TOLD HIM IT WAS FRAUD. HE SAID HE WAS PUTTING IT IN FRAUD AND SENDING A NEW CARD TO ME.THESE PEOPLE ARE VERY RUDE, UNPROFESSIONAL, AND THEY LIE AND DONT DO WHAT THEY SAID. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME I CANT AFFORD XXXX TO BE TAKEN OUT OF MY ACCOUNT THIS PLUMBING COMPANY STOLE FROM ME. I NEVER AUTHORIZED THIS CHARGE AT ALL THE ONLY ONE I AUTHORIZED WAS THE XXXX CHARGE. SO THIS MEANS THEY KEPT MY CREDIT CARD INFO AND THOUGHT THEY COULD TAKE ADVANTAGE OF ME A STEAL MY MONEY THAT I DONT HAVE, AND NOW VISA ISNT EVEN HELPING THEY ARE PROLONGING ME GETTING MY MONEY BACK BECAUSE THEY KEEP SAYING THEY FILED FRAUD BUT THEY NEVER DID THEY JUST PUT IN DISPUTE AND THIS IS NOT A DISPUTE. PLEASE HELP ME GET MY MONEY BACK

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 2018-10-05
Company: Experian Information Solutions Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was called and offered a XXXX dollar loan that I've been needing to help with bills. They deposited XXXX dollars into my account and they wanted me to buy 2 XXXX XXXX cards to put this money on too and send them the card information which I already have done. I filled out a loan agreement with my signature as well. Along with sending them my bank information.

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 2018-03-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We continue to receive phone calls from Carrington Mortgage on a debt that we do not own. I have requested for this company to stop calling but they continue to call and leave messages to call back. When I call back the message says that they are closed but they just called. I have sent email message and left messages on their website to no relief from this harassment. I have never done business nor would I ever do business with a company as shady as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I contacted American Express Blue Bird on XX/XX/2018 about XXXX charges for products that I purchased, but never received on the expected delivery date because the company closed. I contacted American Express Blue Bird as soon as I received an email from the company ( XXXX XXXX ). I explained to the dispute resolution specialist that I had purchased these XXXX products with an intended delivery date and that before that date I received an email from XXXX XXXX   stating that effective immediately that were closing there business. That XXXX XXXX 's phone number was disconnected. I also tried emailing them, but never received a response. I provided the information requested by Blue Bird as soon as I received an email from them. It has been over 2 weeks and I can not seem to get any information form American Express Blue Bird now. It's beginning to look like I'm getting messed over twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All of this happened on XX/XX/XXXX - XX/XX/XXXX ... I heard about the major equifax hack so went to www.equifaxsecurity2017.com to see if my information was hacked. I was told my information was jeopardized and they recommended i sign up for their credit monitoring " XXXX ''. I found out afterwards that after a year you have to pay for the credit monitoring and that by signing up you agree to an arbitration clause possibly losing your right to sue Equifax. Both of which were no clear and hidden away in the fine print. Lastly there are also reports that when u sign up to see if you are effected the response you get is automated and may not be accurate. In short Equifax gets hacked, they possibly lie to you whether or not you were effected and then tell you to sign up for a paid service and then also make you wave your right to sue them. Ridicules..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account has been satisfied and should be deleted

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