BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: Experian Information Solutions Inc.
State: IL
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 have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it 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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan for almost FOUR years now, since XXXX XXXX. The XXXX XXXX packages I filed, all with MetLife and then the last transferred to Chase, were mishandled and processed as Short Sales ... NEVER was any paperwork completed for a short sale during that time frame. I filed a complaint with Chase 's corporate office and they looked into the matter. They returned a denial for assistance very quickly. So the house was then put up for Short Sale in the end of XXXX. XXXX offer came in and by late XXXX was withdrawn due to the buyer failing to meet certain requirements. I again filed a modification package, using an attorney ( XXXX XXXX XXXX XXXX ). XXXX of XXXX Chase informed me that they needed a Request For Mortgage Assistance form ... it was with the original package yet they mysteriously lost it. My attorney confirmed it was sent, but I resent everything on XXXX XXXX. XXXX XXXX I called and verified they received everything, they did. Now they needed a Quit Claim Deed Form?? I have been doing this ALONE for almost 4 years and they just now tell me I need this form?? The co-borrower would not sign and I came home on XXXX XXXX to find a Sheriff 's Sale notice. Calling Chase I learned they put it in the system XXXX XXXX, THE DAY I TALKED TO THEM ABOUT MY PACKAGE! 
Now Chase is telling me they have no record of the previous packages in their system, they only see the short sale and this resent package. Offered no help so I called the Executive Office ( XXXX ext. XXXX ) and tried to speak to the representative handling my account ... NO ANSWER. Left voicemail - XXXX TIMES - no return calls. 
I am disgusted how these big banks push us around and throw our accounts around like they are nothing to them ... well this is my home that I share with my son and enough is enough! Lawyers are telling me my only alternative is to file for Chapter XXXX bankruptcy, which is the last thing I want to do seeing that there is no guarantee that acceptable terms for a modification will be reached ... leaving me still with a foreclosure on my credit and the addition of a bankruptcy?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Bread Financial Holdings, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a two-tiered plan with XXXX XXXX ( Comenity Bank ) for two XXXX XXXX XXXX. 
I planned to pay both loans off before their promotional dates to not incur the additional interest. 
Plan one was due in full by XX/XX/2020. 
Plan two was due in full by XX/XX/2020. 
I have previously had other loans with tiered plans before and usually they are more clear about the payment installments. In addition, with COVID crisis the statements didnt make it clear, or had small print in the warning box that a minimum payment was needed for the 2nd tier plan. 
Background : I paid all my payments over the phone with my checking account, and paid the minimum. 
XX/XX/2020 Statement paid the balance of {$1800.00} like the statement said to do, to pay off the tier 1 plan. I didnt notice in the small print that I also needed to pay the minimum payment of the 2nd plan. 
XX/XX/2020 Statement received my statement, expecting my tier 1 plan to be paid off ( with the {$1800.00} payment ) and found that it wasnt. That {$1800.00} payment was applied to both my tier 1 plan, and the minimum payment due for my tier 2 plan. 
I called about XX/XX/XXXX when I got the statement saying I was short and they then informed me that Id be getting a statement for {$1500.00} for interest because they said I was {$71.00} dollars short for my tier 1 plan. It was already too late to fulfill the obligations for the tier 1 plan when I called. They then shared that they would allow me to pay payments ( with interest ) on the interest. 
I then paid the tier 2 payment because I was so upset about how the payments were applied. 

I received the interest statement around XX/XX/XXXX for the additional {$1500.00}. I paid this and had to handle this without the help of my daughter due to COVID restrictions. I want to make sure others are aware of this so it doesnt happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

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 2020-03-03
Company: Shellpoint Partners, LLC
State: OR
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:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with Shellpoint Mortgage company.

Shellpoint is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since last reported on XX/XX/2019 I owe {$590.00} to XXXX XXXX XXXX. Not sure how that happened and not sure why they continue to badger me about something Im completely unaware of. I filed a dispute and I wait on results for that but I continuously refute the fact that I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the victim of ID THEFT and my name and SSN was used to open FRAUDULENT ACCOUNTS. 

Please see attached FTC report for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We used our Capital One credit card to pay for a move from XXXX to XXXX. The movers contract stated that they would deliver in 30 business days or less. They didn't deliver until 40 business days and also damaged 50 % of our items and is claiming to the Capital One that they performed their services with no issues or damage. Capital One says they can't step in because its a legal issue. The Attorney Generals office disagrees and says that its a fraud issue and that they didn't fulfill their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 an invoice was populated in my name for the amount of {$360.00} from the Dr. office of XXXX XXXX XXXX MD of XXXX XXXX XXXX for services rendered. Not only was I unaware of this charge, but I also don't recall ever having a service done. Whenever I attended this office, I was never invoiced and told by my insurance company, during that time, all charges were covered. The debt was turned over to a company by the name of M. Leonard & Associates which appeared on my credit report before I even received a collection letter from them. 

I attempted to contact M. Leonard & Associates for verification of the debt, requesting a copy of the invoice and signed document stating I agreed to pay for these services, which this company has failed to provide and comply with. I contacted the credit bureaus regarding this bogus collector reporting misinformation on my credit report. I then attempted to contact M. Leonard & Associates again to remove said debt, in which, they refused, insisting that I owe the debt listed in the invoice provided, without providing me adequate proof requested pursuant to 15 U.S.C. 1692g of the FDCPA. 

Not only has M. Leonard & Associates failed to comply with my request, but they also insisted on saying they are not required to provide me with the verification requested. They don't have the original receipt of my debt they say I owe, they are trying to collect a different amount from the {$360.00}, tacking on interest in the amount of {$130.00}, and they are refusing to comply with my written request of verification which is outlined in detail along with the laws that back each of my demands. I refuse to pay this company as I feel they are trying to collect from consumers unlawfully and falsely reporting to the credit bureaus without adequate verification. Please make these crooks comply with the law and avoid destroying the consumer 's financial history.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-17
Company: Ivy Street Development Corp.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was inquiring with Quicken Loans on XX/XX/XXXX as to the current mortgage rates available. They asked for my and my wife 's social security numbers, but I refused to provide it to them. They did ask some questions that they indicated that were for identification purposes only. At no time did they indicate they were going to access my credit. At no time did they ask for permission to access my credit. I did not provide the information needed to access by credit. However, shortly after the conversation, through credit monitoring services, I was informed that a hard inquiry had occurred to my credit by XXXX XXXX. I reached out to XXXX XXXX about XX/XX/XXXX to dispute the inquiry and they indicated that it has been initiated by Quicken Loans. On XX/XX/XXXX Quicken Loans ( XXXX XXXX ) responded to XXXX XXXX indicating Quicken Loans needed to access my credit data. I can only guess that they used older information ( XX/XX/XXXX ) when I was looking at loan options and gave them permission to access my credit. On XX/XX/XXXX I filed a police report with the XXXX County Sheriff ( cr XXXX ) and provided it to XXXX XXXX. On XXXX I spoke to Quicken Loans ( XXXX XXXX ) who indicated she listened to recording of the conversation twice and determined that the access was authorized. On XX/XX/XXXX I filed a complaint with XXXX XXXX asking for Quicken Loans to jointly listen to the recording that Quicken Loans ( XXXX XXXX ) indicated she had listened to twice for my authorization for credit access or to remove the unauthorized inquiry from my credit. Her response to XXXX XXXX was basically that a credit inquiry would not have a big impact to my credit and they felt I had authorized them to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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: Investigation took more than 30 days

Complaint:
XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.

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 2017-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries listed below be removed. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-08-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My credit score never goes up and I have collections that I knew nothing about. Had 2 bankruptcys that I never had. I talked to an attorney but I never filed bankruptcy.

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