BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: United Military Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like 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 2019-03-26
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AES ( American Education Services ) continues to bill me for a student loan that I have paid for back in XXXX, 2015. 

PHEAA conducts its student loan servicing operations commercially as American Education Services. 

AES continues to contact me regarding a pass due bill that I don't owe via email and telephone. In addition, they have put this past due bill on my credit report. I tried contacting them and they didn't even want me to send them the invoice that it was paid in full, they just insisted that I owe them. The dates discussed based on the timing that I attended school and the monthly amount of my payment arrangement were identical to the payments I was making.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: PA
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:
In XXXX of 2016 I opened a XXXX XXXX XXXX account which due to life circumstances did default. There was a balance and I paid to have the item removed from my credit report as a negative item as the debt had been satisfied and this did not occur.

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 2020-10-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a 30 years 3.375 % mortgage with home value over {$280000.00} and mortgage balance less than {$100000.00}. On XX/XX/2020 we applied {$180000.00} mortgage with 15 years refinance fixed rate with Truist Bank ( Sun Trust ), which it offered 2.75 % with no point. On XX/XX/2020 we were informed  by Truist that our refinance application was conditionally approved by loan processor. Around XX/XX/2020 we were informed by Truist that the application was reviewed by underwriting team. On XX/XX/2020 we submitted more documents that Truist underwriting requested. On XX/XX/2020 Truist loan officer called and said we were not qualified for the 2.75 % fixed rate of 15 years mortgage, because our house is not primary residency according to Truist underwriting team 's investigation. Hence Truist offered us 3.1 % rate for the 15 years mortgage, which was way higher than market price. We refused the new offer because the house we applied for refinance is our primary home. Our current rate is 3.375 % with 30 years loan. We won't apply 3.1 % rate for 15 years loan plus over {$6000.00} closing cost if Truist informed us from the beginning. Truist sent out Credit Denial statement for our loan application dated XX/XX/2020. We have excellent credit which both are over XXXX. We believe Truist imposed higher rate to us due to our race ( we are XXXX and XXXX ). Truist underwriting officer spoke to us like we were alien who didn't understand her English, and questioned us like she was law enforcement officer. Not only her phone call had no caller ID and it was scratching with poor connection. We insisted we preferred email communication since we started the application. We sent two certified letter asking for the reason of credit denial on XX/XX/2020 and XX/XX/2020 without any response. On XX/XX/2020, Truist called and she pretended they didn't understand what we asked for. We had to send the 3rd certified letter on XX/XX/2020 to explain what we looked for. A letter dated XX/XX/2020 from Truist stated the refinance application was denied as Truist was unable to grant credit under the terms as a primary home. Truist changed the rate from 2.75 % to 3.1 %. We believe this is credit discrimination!

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 2023-04-26
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Credit Karma, LLC
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit karma told me I had excellent approval odds and that I was pre approved for credit card. I was not. I was denied and it hurt my credit due to the misleading false info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a XXXX XXXX XXXX XXXX. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in 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 2022-10-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021

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 2021-05-06
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX Granite Woods Loop was initially taken out w Dovenmuehle Loan # XXXX and my mailing address at the time was XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for Dovenmuehle. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from Dovenmuehle to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware XXXX. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the XXXX Acct current. We request that the negative credit reporting from XXXX be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan w Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pu
rpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Risecredit, LLC
State: IL
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 belongs to someone else

Complaint:
I reviewed my credit report on XX/XX/18 and I seen an inquiry from a company called XXXX XXXX XXXX  a finance company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX and its showing as an inquiry and I never applied for any credit from this company because I am in bankruptcy so how they showing an inquiry from me has me as a lost, please remove this inquiry and all of this other negative information because I have never applied for any credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
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:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ELAN card services, the servicer of my fidelity rewards visa, continues to decline legitimate transactions. This is apparently due to false positives on their fraud model. I've contacted them multiple times on the past few days, put a travel note on my account and asked to receive fraud notifications. Despite this, they continue to decline transactions without sending me notifications.

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 2018-08-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I believe Chase is violating federal law in how payments are applied. According to the Credit Card Act of 2009, lenders are required to apply payments in excess of the minimum payment to the balance with the highest interest rate first. This hasnt happen in my case. I have a balance transfer balance of 0 % APR and while I know purchases carry interest immediately, I made payments each time after those transactions posted. Customer service explained to me that payments are applied to the statement balance first before other transactions. That means its not possible to pay off high interest transactions while a balance is carried until after the monthly statement is provided? The law doesnt say anything about statement balances in payment allocation. No other bank does it this way. Ive used other credit cards with different balances and never had this issue before. It started with a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, and a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX The last statement shows a purchase balance of {$360.00} that should be close to XXXX. I was charged a {$7.00} interest charge the last couple statements that Ill like credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the Comenity Bank & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) Comenity Bank XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) Comenity Bank XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXXXXXX XXXXXXXX Card   XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: DISCOVER BANK
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:
the following accounts are reported on my credit report without any authorization, it is hurting me DISCOVER PL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
EQUIFAX Experian & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, XXXX, Experian has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  launch servicing, ll XXXX  INQUIRES/ ACCOUNTS : launch servicing, ll ELECTRONIC MERCHANT SYST XXXX INQUIRES / ACCOUNTS : LAUNCH SERVICING, LL XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX To whom it may concern, Re : Filing a complaint against Sagestream LLC for not complying to place requested security freeze on my credit report since XXXX of 2020. 

I am filing complaint against Sagestream LLC for not placing a freeze on my report as requested. 
This company was notified to place a freeze on my personal report numerous of times since XXXX, then XXXX, XXXX, XXXX and XXXX and as yet to comply. 
Each time they have been giving ridiculous excuses upon excuses as to why my freeze letter containing unfreeze pin has not reached my mailing address provided. 
First excuse was the agent spoken to did not completed the request Second excuse was it was sent to me and it should of been received maybe due to covid the mail service is a little slower. 
Third excuse was that they sent it to a wrong address, which is untrue because to have a freeze place you have to verify all identification on file including address. 
The four time they said address was corrected and you should receive information by mail within 10 business days nothing was received. 
The fifth time called I requested to speak to management and I was told by a representative by the name XXXX who I've spoken to in numerous occasions whom as been sometimes unprofessional told me XXXX was unavailable at this time and he will be returning my call soon, still no response. 
Please assist me in getting this matter resolved. 
Under the Fair Credit Reporting Act it is my right to place a security freeze on my report and this company has not yet complied to my request, instead have been using it to defame my character. 
Thank you for your time on this matter and I hope to hear from you soon. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters 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 explanation