BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Att : : XXXX XXXX XXXX  From : XXXX and XXXX XXXX Date : XX/XX/2019 RE : True loan modification ( XXXX Intake Dept ) We have questions about this loan modification. 
We want the real estate attorney to review the modification in detail and documents we sent to the XXXX XXXX XXXX. 
We want the Attorneys that viewed the document phone number, email, and their state bar number. 
We want the attorney to sign off on all documents personally. 
XXXX XXXX or XXXX XXXX are they attorneys? 
Our current monthly payment is XXXX The paper work that XXXX XXXX sent for us to sign is a blind modification, without any payment plans, monthly payment, escrow, taxes and insurance. 
We need the number break downs of years and monthly payments. 
The purpose of the loan modification program is to lower our monthly payment making our home more afford. 
According to our case manager, XXXX XXXX stated that Fay Servicing should return to us XXXX that they did not give us credit from last year. 
We received a phone call from XXXX XXXX resprened himself as the first Vice- President of Fay Servicing XXXX stated that Fay Servicing did us wrong and how could they make it right to us. 
The date that he called was the XX/XX/2019. He stated that he was going to send to us certified mail. He called two times. 
This the same tactic Fay Servicing did to us less than a year ago. Our attorney at that time name is XXXX XXXX. Her number XXXX. 
We would like the retainer from all Attorneys including XXXX XXXX XXXX ; the retainer should be paid by Fay Servicing. 
We want the escrow break down, of the loan modification, terms of taxes, insurance and payments. 
Why do we have to accept Fay Servicing loan modification only? 
Why is it taking so long to get the loan modification? 
We need an attorney to call or engage us by email concerning loan modification. 
We want the attorney to seize and stop this tactic concerning our loan modification. 
We want all these questions answer by the attorney personally by letter or email. XXXX XXXX XXXX, ( case manager XXXX XXXX XXXX ) assured us a loan modification we qualify (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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:
I have sent information to Experian on several occassions regarding a home that I sold in XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( Experian ) states that a creditor received a deed ( CRD ) what creditor.Foreclosed I have never lost a house as XXXX XXXX Bank was paid and also requested Experian and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX Bank, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX requested 4 times and 4 times for what as Experian had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XXXX/XXXX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX  I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and Experian says that they have no number. Come on The IRS.And Experian Inquiry on XX/XX/XXXX for what?.

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 2017-12-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to get answers from transunion on why these inquries are coming up on my credit. i have sent multiple letters to transunion and the have not answered anything i have asked them to do.

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 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received today an email from Capital One Venture Card stating that they reduced my credit limit to {$5000.00} from {$10000.00} effective immediately without prior notification. I called Capital one several times to see how much they were looking for me to charge each month to keep my credit limit to {$10000.00}. No one could answer that question and told me I would have to talk with a credit specialist but they had no credit specialist with which to talk. In all the years I have had a credit card, I have never had a decrease in credit. I have always paid my bills in full on time. In spite of having substantial liquid assets and income, we have been unable to resolve this problem with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: MA
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 was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previous loan service company, XXXX XXXX. ( representing XXXX XXXX XXXX  ), transferred my account balances to new service company, BSI Financial Services ( BSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, TX., XXXX. XXXX  transaction history ( See attached ) shows the escrow account was closed. Unfortunately, that escrow balance of {$770.00} is not reflected in my BSI account. 

Also attached is a synopsis of some relevant email communication. Please note that while these emails were exchanged, several calls were made to BSIs customer service department. During these calls I was told that my issue was transferred to the appropriate department for resolution. However, when I call back to follow-up, there is no notes of activity on my account regarding the previous call. 

Subsequent to the attached emails, beginning on XX/XX/21, several payments reversals were made on the account and now BOTH my principal and escrow balances are inaccurate and WRONG!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Experian Information Solutions Inc.
State: DE
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:
CFPB I am filing this complaint because Experian credit bureau filed a dispute on the wrong account twice. On XX/XX/XXXX I sent Experian a dispute for XXXX XXXX Account number XXXX asking for verifiable proof a request to disclose all information about this account of course they didn't comply. Upon checking my online credit report which is Experian Credit monitoring I noticed that the remarks never changed that the account is being disputed. But I did notice that my positive account with XXXX XXXX changed in the remarks that the account is being disputed. A few days later I received a letter from XXXX XXXX stating that they couldn't understand what the credit bureau was trying to dispute of course cause I wasn't disputing that account. On XX/XX/XXXX I sent Experian another dispute for this XXXX XXXX account and I made it clear that I was disputing XXXX XXXX account XXXX and Date opened XXXX of XXXX. Some how Experian does the same thing and disputed my positive account again instead and these accounts was opened on different years. In the letter I clearly wrote I am disputing the XXXX  XXXX account that was open on XXXX of XXXX. A few days ago I received another letter from XXXX  XXXX stating that they couldn't understand the information that the credit bureau sent of the dispute. I have copies of these letters from XXXX XXXX and I also have the last dispute letter where I clearly wrote I was disputing the XXXX  XXXX XXXX account that was open XXXX of XXXX these accounts was opened different years so Experian should of knew what account I was disputing. I called XXXX XXXX and they stated this disputed account was sent from a automated system which is probably the reason why Experian is disputing the wrong account. Experian is also showing incomplete account numbers which is also why they keep disputing the wrong account. Under the Fair Credit reporting Act I thought a credit bureau was supposed to verify these by the original documentation that the creditor send when they pay for the bureau services.

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 2018-10-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed.

All poutstandin bills were paid off once my property was sold.

I applied for a loan and was told that the chapter XXXX  and XXXX was still on on my credit file which hurt my credit adversely.

I was also told that I had tax liens on my report which was not true.

I would greatly appreciate your assistance in helping me a senior to resolve this problem.

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 2020-10-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2020 I signed up for a fencing project through Home Depot and they assigned one of their contractors XXXX XXXX. At which time they were offering a promotion for 24 month XXXX financing. I noticed a {$2400.00} charge on my credit card statement and 12-month no interest financing. On, XX/XX/2020, I reached out to Home Depot customer service and explain to an agent by the name of XXXX that I was supposed to be on a 24 month no interest financing promotion. The service agent corrected my account to the 24 months and told me that I would not be charged until the contractors had started the work But, a week later I received a letter in the mail that stated something diffent from what we discuss and now Home Depot is asking for a payment Which eliminate some of the time on 24 month promotion. I am having an issue with this because no work has started nor did I have a start date of service as promised by the service agent. So, today XX/XX/2020 I contacted Home Depot because of the letter which was not what we discussed and spoke with a supervisor by the name of XXXX and he told me to cancel the order, which he should know that if we cancel the order we would be charged a cancelation fee for the company and would be taking a loss of {$150.00} for a work permit that I was told had to be purchased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a friends pay check for {$860.00} the bank accepted the check, cashed and made funds available then froze the funds had them frozen for 2months with me calling and leaving messages and then want to reverse the check and close the account almost 3 months later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.

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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.

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 2019-02-02
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2019-02-04
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:
These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX Reported : XX/XX/2019 {$0.00} Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: CHECK INTO CASH INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When checking my credit reports I noticed that this XXXX XXXX XXXX is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of Check into Cash INC and I have no idea who either of these companies are and have never taken out a payday loan with the company Check into Cash. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action

Company response to consumer: Closed with explanation