BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
Equifax has me listed as being deceased. My husband passed away XX/XX/XXXX. We leased a car with XXXX XXXX in XX/XX/XXXX. I sent necessary documents in XX/XX/XXXX, to remove his name from the lease, ( death certificate ). The lease was up in XX/XX/XXXX. I turned the car in and am leasing another car with XXXX XXXX XXXX XXXX. It appears that XXXX XXXX listed me as deceased along with my husband inXX/XX/XXXX. I applied for a mortgage in XX/XX/XXXX with XXXX XXXX XXXX. XXXX XXXX attempted to get a credit score in XX/XX/XXXXt and was unable to do so because consumer was listed deceased. I filed a report immediately online with Equifax in XX/XX/XXXX. I received an email confirmation that the dispute had been settled and a printed copy dated XX/XX/XXXX. The printed copy stated consumer deceased instead of loan paid in full. I called again on XX/XX/XXXX and was told that I was still listed as deceased and it could take another 30 days before it was cleared. XXXX XXXX XXXX attempted 3 more times to obtain a credit score and were unable to do so. I can not get a mortgage without a credit score. I have also contacted XXXX XXXX XXXX XXXX the first week of XX/XX/XXXX asking them to contact Equifax explaining the error. The agent drafted a letter while I was talking with her. A copy of the letter was also supposed to be sent to me. I never received the letter so I have to assume it was also not sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.

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 2020-02-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got transferred to Fay Servicing about 4months ago from XXXX XXXX. 
This month XXXX I made a payment, but this month I will still be three months behind. I got a call yesterday ( XX/XX/20 ) from the same lady and I told her that I would make another payment this month with the money I have in my surplus and money I have. She told me I couldn't do that because I received a demand letter and my house is going into pre foreclose if I don't pay {$5200.00} this month. 
I got behind in my payments because of medical bill I have to pay to keep my husband on medication and XXXX. He has XXXX  XXXX. I had explained that to her the last two times we spoke. 
Please help me. 
Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: LoanCare, LLC
State: CA
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:
Loancare the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then Loancare received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with Loancare $ XXXX nor XXXX XXXX. Loancare removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX, which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from Loancare a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now Loancare has used my credit report unlawfully by adding that I owe Loancare $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at Loancare for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. Loancare  is retaliating against me for making so many complaints which I will address outside of the CFPB.

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 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a Capital One card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at Capital One says that I was not removed by Capital One, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted XXXX, and to my shock on the XXXX report as having a Capital One card, XXXX with a credit limit of {$30000.00}. Actually, I have NO Capital One card. 
I sent an e-mail to XXXX XXXX XXXX AND to the Capital One credit Dept, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
Requested documentation From Santander verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Repeated request for documentation that has been provided during a lengthy loss mitigation review with my lender, Ditech. Previous concerns as they had failed to acknowledge of my denial under " Keeping your home California '' program in the month of  XXXX ,  XXXX . Since  XXXX  of  XXXX , I have applied under a new review with Ditech and my file was closed out in  XXXX  due to " request for cancellation '' This is false, as I have never requested such thing to jeopardize my foreclosure. I am now again, in an active review, but am being asked for documentation again that I have provided via mail as I want to ensure this problem is resolved. No matter what I do, I feel as if I am being rejected from my cry out for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, 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:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2022-08-08
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Equifax and XXXX credit bureau to validate this inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Opportunity Financial, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Rent Recovery Solutions
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Experian via mail at XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/2018, alerting them to a paid for deletion account showing on my credit report, I also included documentation/receipts from the company reflecting account was paid for removal. I have not received any feedback from Experian. I have attempted to contact them via the multiple phone numbers listed, XXXX, XXXX, XXXX, and XXXX, I only recieved an automated message with limited options, stating to please try using online services for further assistance. I then attempted to complete an online dispute form but continually received an error message stating site was unavailable. It's been 45 days and I have yet to receive a response nor can I contact anyone to follow-up. 

XXXX XXXX, account # XXXX, the account is showing paid and closed, the account should be removed from my 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 2020-02-27
Company: Experian Information Solutions Inc.
State: NV
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:
Requested documentation From XXXX verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate

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 2020-02-27
Company: Experian Information Solutions Inc.
State: MI
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report today and noticed over XXXX hard inquires I didn't do or authorize. Please investigate each hard inquiry and delete the fraudulent inquires.

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 2017-06-12
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I  called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX  attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with Bank of America is  3 ho urs which is causing me to not be updated on time and becoming overdrawn at times

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XX/XX/XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my Transunion credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.

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