BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
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: Their investigation did not fix an error on your report

Complaint:
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/XXXX/Experian have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/XXXX and EXPERIAN to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, 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 2019-02-02
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Home Depot- I am a victim of Identity theft and someone opened an account under my name and SS number without my authorization. I received a notice from credit bureaus regarding missed payments. I have never had an account with The Home Depot. I've made numerous if not 10 or more calls to Home Depot regarding this matter. At a later date they sent my information to a collection agency which continued to harass me and call me at all hours of the early morning. I spoke to a supervisor and told them that they needed to stop calling me as I am an elderly woman who is very ill and reported the woman who was calling me every day. I have never had a Home Depot card and stressed to them that my identity was stolen and still have not received any information regarding this account. Police report attached.

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 2018-03-09
Company: GreenSky, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/18 I opened a BBVA Compass Checking account with the promo code with the XXXX XXXX " XXXX ''. This entitled me to {$100.00} for making a bill pay equal to or greater then {$25.00} to a utility company. On XX/XX/XXXX I initiated a bill payment to a water company in the amount of {$130.00}. On XX/XX/XXXX I sent a secure message inquiring why my bonus wasn't paid out yet. I received the response saying I needed to deal with the issue in branch. I don't have access to a branch due to me being away at school. The bonus never had anything to do with a branch and the account was opened online. I use XXXX due to there nice online banking I don't do banking in branch all too much. There is no reason XXXX can not fulfill their end of the deal and payout the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
In response to a prior complaint re a bait and switch scheme advertised by Capital One, the company promised to reimburse {$100.00}. I received a letter asking for return of a completed XXXX form, but without any instructions as to where or how to return the completed form ( no mailing address, fax number, email, etc. in the letter ). I immediately returned the completed form to the mailing address from which the letter was originally sent. The completed form was mailed out on XX/XX/2018. Over six weeks has passed and I have still not received the promised  reimbursement nor any further communications from Capital One ( despite including this same information in my feedback to its response to my original complaint over two weeks ago ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

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 2020-08-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan originally signed with XXXX XXXX company, XX/XX/XXXX. 
Loan was transferred to XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
Green Tree Servicing LLC acquired my loan from XXXX. I applied for a loan modification due to a hardship on XX/XX/XXXX with Green Tree Servicing LLC. In XXXX, my loan was changed from 30 year fixed to a 40 year fix without my knowledge nor consent.

DiTech Financial, purchased Green Tree Servicing LLC, then XXXX of this year my loan was transferred to XXXX XXXX. I attempted to refinance my loan to a 15 year fixed at a lower rate, loan officer with XXXX XXXX advised me of my 40 year fixed loan. I retrieved ALL of my mortgage documents to do a full review. I discovered Green Tree Servicing LLC abused multiple homeowners/borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
Onemain financial llc. 
They approved me for a great loan and after doing a hard pull on my credit everything still looked great. As I was filling out the forms I got a call from onemain. The representative asked millions questions and everything seemed fine until I mentioned I had a paid off motorcycle which they then decided to tell me it was a collateral loan. 
This is not what I was approved for originally and not what I wanted and they did a hard pull on my credit. This complaint is using misleading tactics to pull in people who desperately need money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
State: NC
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:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.

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: Experian Information Solutions Inc.
State: NC
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:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do  the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

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 2021-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted the mortgage servicing company 4 - 5 times to get them to report my timely payments to the credit bureaus but they respond with I must reaffirm a loan with the bankruptcy courts. I have not been in bankruptcy since XXXX and received a new loan on XX/XX/2017. My attorney has contacted them and informed them that Colorado does not re-affirm mortgages but SPS Servicing continues to send generic generated letters that I need to reaffirm my mortgage. The bankruptcy courts are informing me to contact my attorney and round and round I go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Personal information incorrect

Complaint:
!!! Hello, My name is ***XXXX  XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TekCollect 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: Information belongs to someone else

Complaint:
I am in receipt of my credit file and found this account which was not opened by me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

Company response to consumer: Closed with explanation