BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though XXXX XXXX XXXX. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Well it all started about 8 years ago when mortgage lender ; XXXX XXXX Transferd us to M & t bank/XXXXwho aggressively mislead us to believe that the were helping us. By giving us no choice but to put a second mortgage on our house. We have been behind on payments ever since... Struggling while our payments keep going up ... our..We have lost track of time.. We have attempted to modify the second mortgage with no success.The payments are just unreasonable high.. 
We will be sewing.. The the Lenders for being a ponzi scheme.. Of a fractured banking system.. We borrowed supposedly XXXX & now over 10 years later we owe XXXX more presently then was was borrowed originally. The numbers do not add up.. The mortgage company Being M & t bank. We have not seen a deed to this property to this day.. We have tried to sell this house aswell with no sucess.. We have had multiple realtors... 
This house was referred to as as a White Ellephant.. This is a written formal complaint ; against Lenders mentioned above.. 
Sincerely : XXXX XXXX XXXX XXXX XXXX WI

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 2022-04-29
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
OnXX/XX/XXXX2017 I called Chase to provide a PIN so that they could access my credit file, which I keep frozen for security. The weekend before I applied for a Marriott credit card ( which I recently closed out only to later change my mind on wanting the card ). I understood that I would have to apply again and I had no problem doing so. 

When I first called I provided the individual with the reference number ( XXXX ) which he used to being the process, however I had a call from my wife and had to terminate the call. I then called back about 5 minutes later and spoke to a different representative ( XXXX ). I informed her that I wanted to provide the PIN so that I could continue with the application process. She attempted to verify me by asking me to give the her credit limit of one of my other credit cards. I was n't sure of the limit since I do n't utilize that credit card often, though I informed her that I was in my vehicle trying to go to work. 

I was unable to give her that piece of information, though I know that I gave her my date of birth, address, the application reference number, my SSN, volunteered that I had recently closed out the same account about 6 weeks or so in the past, volunteered the other information about my account, read all of the physical information from the credit card that I was being asked to confirm the limit to ( number, expiration, member since date, CVV number ), cited the fact that my last name was spelled incorrectly on the XXXX XXXX 2017 letter from Chase, however this information was not enough for her. 
I asked to be transferred to a supervisor ( XXXX, unsure of spelling ). The supervisor asked me similar questions. However at one point, she asked me to provide the exact amount of a transfer that came into my Chase checking account ( with my wife ). Frustrated since, I would not know the exact amount of a payroll check that was deposited into my account and that was my wifes check. I asked why I would need to give this information when I was applying for individual credit. The supervisor indicated that this was standard verification. Naturally I wasnt able to give this number, nor would I if I did know since this appeared to be conditioning my application on information related to my wife. 
Eventually I was able to remember the credit limit for the card they were asking me about, and ONLY then was I allowed to give them my PIN to unfreeze my file to process the card ( which I was approved for in only a couple of minutes ). I was on the phone for over 30 minutes, for what shouldve been a 5 minute call, asked an unreasonable amount of verifying questions that hinged all on one credit card limit, late to starting work, and asked to provide information on my wifes income to process a single application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Payfare International Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I want my new debit card added to my XXXX account and every time I try to add it I keep getting error message. I called XXXX XXXX to resolve it but they keep giving me the run around.Saying their third party got handle it in 7 days then try again. So I wait 7 business days and still there no charge I been dealing with problem for going on 2 months. Not having my account back right is making very hard to feed my kids and even myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted RoundPoint multiple times tell them that I have achieve a 78 % LTV ratio and asked them to remove the PMI from my account. RoundPoint told me that they can't drop the PMI until I get a new valuation ( order by them for my home - up to {$600.00} in cost to me ) or 2024 ( final termination ). Under the Homeowners ' Protection Act, the lender is required to cancel your PMI when the loan reaches a 78 % LTV ratio.

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 2015-06-18
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency XXXX sent my fiance ' the letter advising of her debt to XXXX XXXX XXXX XXXX, upon which she has disputed. We faxed her dispute letter directly to this agency on XX/XX/2015 requesting to validate the debt. We received another statement on XX/XX/2015 threatening credit reporting actions against her if she did not pay in full and did not send validation of the debt. This violates the right to dispute and is also considered overshadowing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly regular amount. So I sent a check instead filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply " Our website requires the total amount due to be paid when submitting a payment. 

Since your loan is not current at this time, please contact our Consumer Counseling Department directly at XXXX Monday through Friday between XXXX to XXXX XXXX XXXX XXXX to discuss possible payment arrangements ''. 

A week went by and the check was still not cashed. Then on a Saturday there was a man outside my house taking pictures. When confronted, he said " your mortgage company has been trying to contact you, and I am supposed to give you this letter ''. It was just a payment demand letter. But I just paid! My message back to them is as follows : " You will not correspond with me electronically. You have not cashed my check. You've sent someone to my home to intimidate me. This is egregious. '' They escalated my complaint. In the interim I have sent another check and that check has also not been cashed. What possible reason would they have not to process payments? I'm nowhere near foreclosure, I don't understand why they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mobiloans, LLC
State: NV
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:
FRCA Violation credit card XXXX XXXX XXXX XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans MOBILOANS LLC FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXXXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-03-27
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: Account status incorrect

Complaint:
TransUnion continues to report a late payments for XXXX XXXX  Acct # : XXXX. TransUnion is reporting late payments for XXXX through XXXX of XXXX, XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2020-10-16
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 pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O on these dates XX/XX/XXXX ; XX/XX/XXXX ; and Collection, COL on these dates XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O, COL reported on my credit report.

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2023-05-16
Company: Experian Information Solutions 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:
Accounts listed on my credit report that i never applied for are stopping me from buying a home for my family.

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 2018-08-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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:
After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
AroundXX/XX/XXXX I asked Fifth Third Bank to update my loan balance to the ( 3 ) credit reporting bureaus over the phone what I got was about 10 minutes of unpleasant, agitating and discommoding conversation which led me to ask for a supervisor who also had a similar unsettling attitude, what resulted in the request for updated balance was on around XX/XX/XXXX the bank had now retroactively reported 4 missed payments ( 1 ) going back to XX/XX/XXXX ( 18 months later ) and the other ( 3 ) payments going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 11, 12 and 13 months retroactively ). 

I filed numerous disputes with the credit reporting bureaus and Fifth Third Bank directly, I received about a half dozen or so responses from Fifth Third Bank but they never answered why they went back and retroactively reported the ( 4 )  missed payments after reporting the loan with no missed payments since its original loan inception of XX/XX/XXXX to mid XX/XX/XXXX they also to this date acknowledge they never notified me of the negative reporting to the credit agencies before or after the negative reporting. 

Their investigation and written responses were also not accurate and can be proven by fact, I have asked them to delete the negative reporting and informed them of the violations under FCRA of their duties as a creditor/furnisher of negative credit reporting and of the violations of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account is an result of fraud. XXXX XXXXXXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

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 2018-08-07
Company: A & O Recovery Solutions, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. XXXX   removed it 4 years ago, and is not removing it this time.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-08
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: Their investigation did not fix an error on your report

Complaint:
I first want to be clear that XXXX XXXX is NOT at fault here and should NOT be sent any correspondence. The problem is EXPERIAN. Experian refuses to remove a fraudulent collection account from my credit report. I spoke with XXXX XXXX months ago and they sent me a letter agreeing that the collection account in the amount of {$410.00} should be REMOVED from my credit report after their investigation. I then sent the letter to Experian and requested that they remove the account and they still have not. It has been over 6 months and I have been very patient due to covid. The collection account is being reported by XXXX XXXX XXXX. The amount is {$410.00}. Please help me get this inaccurate collection account removed from 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 explanation
Consumer complaint received 2022-01-06
Company: States Recovery Systems, 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by Credit Union who sent me elsewhere while I had a open dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I originally opened a credit account with XXXX XXXX XXXX. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled and paif through True Accord and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation