BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: BANKMOBILE TECHNOLOGIES, INC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a bank mobile account # XXXX for over 5 years, until today, they closed down my account out of the blue, I called customer service, he was not any help, i asked for a supervisor, the person that claimed to be the supervisor told me when the prompt online asked for my social security number and I did not provide it, they closed down my account. I told him that I banked with them for years, never when I went to go check my account, it asked for my social security number. I been scammed before so I thought it was a scam. I then asked the rep. where is my money that was in the account? what blew my mind, this man told me that i have not used the account in years! Which is a Lie! I work for XXXX  XXXX XXXX and my checks get deposited in that bank account # XXXX every other week, now this so-called supervisor is trying to tell me that i don't have any money in that account or used that account in years.

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 2018-01-20
Company: EQUIFAX, INC.
State: OH
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:
I 've completed a dispute on Equifax 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, 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:
In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to a Freedom Mortage company on XXXX, we were notified and we set the drafts as usual, on XX/XX/XXXX the payment was reversed saying that it was an error on code, I contacted the company and they found that their system was taking savings accounts as a checking account, we set a one time payment as they instructed and payment was reversed again on XX/XX/XXXX, we set it again with XXXX  bank confirming all the information and it got reversed again o. XX/XX/XXXX, we change it to checking account and it got reversed again on XX/XX/XXXX we finally got a pyme t and then we had the same issue by XX/XX/XXXX we contacted the mortgage company set all again and payment finally went through, I was expecting a draft on XX/XX/XXXX and that payment got reversed again on XX/XX/XXXX now I just want my mortgage be with another company, this is insane.

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 2021-09-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Loan is on my credit for a mortgage with PHH mortgage Service for {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wanted to get a credit line for my bank of America cash rewards card. So i called their helpline via the number on the back of my card. 

The customer service rep clearly stated that when I apply online for the credit line increase that it would only be a soft pull. 

I mentioned to him that i did not want to request it if it was going to be a hard pull on my credit. He assured me that it would be a soft pull only. 

I checked my hard inquire report and it shows a hard inquiry on XXXX XXXX, 2017 I would like to have this removed as the representative gave me false 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 2018-01-20
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a BBVA Compass checking account after seeing advertised terms for {$200.00} bonus they were promoting for new accounts. Terms required a minimum of {$300.00} direct deposit into the checking account, which I met TWICE over, first on XX/XX/XXXX and again on XX/XX/XXXX. Advertised terms said bonus would be posted within 60 days - I inquired about not receiving the bonus yet with the bank, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back on XX/XX/XXXX sent proof of payment using XXXX XXXX, my mortgage company was not showing me making a payment on XX/XX/XXXX. I noticed this after i checked my payment history and that payment was not showing. I would call Specialized loan servicing and file the complaint of missing payment, I sent proof of making payment with a receipt from XXXX  payment showing I had the correct account on that receipt. XXXX XXXX XXXX verified my account number was entered correctly by printing out a close d transaction statement made with XXXX  for that same day XX/XX/XXXX. I kept opening up that case for review of missing payment and SLS would keep closing due to they need more into. I sent the receipts again along with my bank statement showing the money went out of my account. Ive contacted the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by email with proof of payment each time and each time they would close my case and need more proof. In the meantime several several phone calls made to SLS to make sure they didn't close my case and yes they would close case so I would have them reopen. XXXX XXXX XXXX was able to get the right person for XXXX to find out what happened to the payment, XXXX  has sent them and now I have the letter that my payment was reject from my mortgage company due to incorrect account number or account closed. I promise you everything I have sent has the Correct Account Number on it. I can email all my proof of payment. I am trying to refinance my home and this is stopping me due to my mortgage company shows late payment for 6 months. Now i know that the payment really was not receive due to my mortgage company rejecting payment, XXXX XXXX XXXX had the money sitting in booking and that took awhile to track where the money was at. Book keeping has the letter from XXXX and the money verified sitting in XXXX XXXX XXXX account. XXXX XXXX XXXX did not notify me of rejected payment nor did my mortgage company. In fact I call the escalation desk at SLS do let them know they rejected my payment. The employee went back through account history and they do not show my payment being rejected for XX/XX/XXXX, so i was never notified by the mortgage company as well. please help me fix this, I am trying to Re fi my home and this is stopping me. 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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My husband and I filed bankruptcy on XX/XX/XXXX and reaffirmed our XXXX XXXX XXXX that was financed with XXXX XXXX XXXX XXXX. We continued making our payments as agreed and were never late during the entire duration of the loan. I paid XX/XX/XXXX payment on XX/XX/XXXX and then we traded the car in on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported to Transunion that we were 120-149 days late and as of today XX/XX/XXXX the account is still opened and showing derogatory. I contacted them in XX/XX/XXXX to have this resolved and sent in all 12 months of my Checking account statements as requested and they refused to remove it from my credit report, causing me to have a low credit score and difficulties with financing. I have also disputed this with Transunion and it continues to be on my report as of today XX/XX/XXXX. XXXX XXXX XXXX XXXX continues to tell us that we were late in XX/XX/XXXX ( Pmt made on XX/XX/XXXX ) and I also made XXXX pmt on XX/XX/XXXX. I have all of my bank statements where every pmt was debited from my checking account and all of the loan coupons with confirmation numbers on them due to paying them either online or over the phone. I really need this resolved as it is preventing me from financing a home. Please help.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL 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 2020-09-17
Company: Experian Information Solutions 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:
Remove the inaccurate 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 2018-01-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-11-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, XXXX XXXX  XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a XXXX unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan.

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 2021-09-05
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get the PMI on our mortgage cancelled for 6 months. NewRez is the servicer.

We have called, messaged, and I sent a certified letter via USPS. They don't seem to know what PMI even is. 

Also, I am again locked out of the account on their website, stating wrong SS #, when it is not wrong. 


Loan : XXXX at XXXX XXXX, XXXX, MI XXXX Appraised Value : {$390000.00} In XX/XX/2021, {$38000.00} was paid towards this loan, which brought the total we owed to {$310000.00}. 

That right there brought the L to V ratio to 79.73 %. 

We immediately contacted NewRez, they have played all kinds of games, they don't know what PMI is. They said we had only paid 98 % towards the loan, then tried to sell us refinancing we didn't ask for. 

We currently are at : {$310000.00} owed 21.11 % paid off We have been above the required 20 % since XX/XX/2021. This is terrible service. We mailed NewRez the thousands of dollars in improvements we have had done, and they again, answered with advertising. 

We did our due diligence according to the Homeowners Protection Act. 

They have been charging $ XXXX/month. They even have it projected to the future of the next 2 years paying that much per month. 

We want our money back. That is : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again, XXXX. 

Yes, they charged us PMI TWICE in XXXX. I'm looking at the printout they mailed to me since I can not get in our account. 

NewRez owes us {$1300.00} plus the interest rate of our loan. And it would be great to get a different Servicer, one who knows how to do math. 

This was also sent to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent TransUnion a letter disputing accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 2 hard inquiries from XXXX XXXX XXXX and XXXX XXXX on XX/XX/2021. In the dispute letter I demanded that TransUnion comply with Federal Law 15 USC 1681C-2 ( A ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. TransUnion received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law TransUnion was suppose to block/delete these fraudulent accounts and inquiries 4 days after the date of receipt. Therefore, TransUnion is in violation of Federal Law 15 USC 1681C-2 ( A ).

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 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX card I paid it off and than I move I request a new card and they send it to unknown addresses I call and now I have a bal and a late fees it took me 3 call before they got my correct address and now XXXX  want me to paid for they error since they send the card to a different address I still do n't know how they charge it so many times and XXXX  expect me to paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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