BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: DISCOVER BANK
State: WA
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:
I paid for a watch with 2 day shipping so I could get it in time for XXXX. After the merchant took my money, they sent me a tracking number that showed that they sent it regular service, instead of 2 day, which ended up taking over 2 weeks. As soon as I found out I contacted the merchant and told them I paid for 2 day, and to cancel my order. They told me they could not cancel it since they shipped it, and I told them I do not need it if I can't get it before XXXX. 

I contacted discover immediately and they initially gave my money back, and the item was never delivered to me because I left a note to the shipper to send it back. 

A month later discover charged me back for the watch stating that even though they did not send it 2 day like I paid for, that was out of their control, so now I do not have the watch or my money. The merchant got their watch back and discover took my money. 

Horrible business ethics and even more horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-07
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX. I have a problem with one of the credit reporting sites. I was buying a car and told I had serious delinquency on it. I called all 3 sites, XXXX, equifax, and XXXX. I was told they did not see anything on my report. I obtained reports myself and could not find anything that said serious delinquency. XXXX card has XXXX, I receive report every month. I have good credit history. I need help finding this and getting it removed. This has been over a year now. I did not think I should have to pay an attorney. How do you fight something that they say is not on there? I had a car accident that was not my fault and only thing I could think was waiting for insurance to pay car off. But that was not the problem I was told. That wasXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started a new loan with Home Point Financial in XXXX of XXXX. All payments towards the new loan including the escrow account were made per the terms shared by Home Point Financial. 

Not even 6 months later, I am being informed that my account has an escrow shortage and therefore I am now required to pay an additional {$510.00} per month to fullfill my mortgage payment and refill the escrow account. 

This is Unfair and Deceptive. The amounts that I had paid into my escrow account were determined by Homepoint at the time of application/acceptance. Importantly, there has been NO CHANGE in the monthly taxes or home owners insurance. There is no reason that my amount should suddenly go up so much with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 XX/XX/2021 I opened a dispute with Transunion regarding information being incorrectly presented in my credit report. The account in question was an account from XXXX XXXX XXXX XXXX which was showing as Charged off, with balance due in full. This account had been paid down thru a Collection Agency after being negotiated, but this was not showing on the report. Less that 4 hour later I received notification that Transunion had resolved the problem by deleting the account. However, by deleting and not fixing the information as requested they impacted by Credit Score by XXXX points ... a drop of XXXX points! To this day Transunion has not been able to provide a proper explanation as to why this happened, even thou they indicated it should not have happened ... the account they deleted was a derogatory account which pulled down my score!!! 
You can imagine the potential financial impact the action taken by Transunion could have on any loan, credit card, and job search I decide to embark, which is why I need this resolved ASAP. I worked hard to get my credit in check and to improve my score just to have Transunion throw away all that effort with their mistake

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 2022-09-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm writing because on my reports from Experian XXXX XXXX and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct XXXX shows US Bankruptcy Court and Experian Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.

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 2022-09-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm writing because on my reports from XXXX XXXX XXXX and Equifax They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. Equifax shows the court as US Dist ct XXXX shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof Transunion is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now

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 2017-09-08
Company: EQUIFAX, INC.
State: CT
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 included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS SAME SITUATION HAS COME UP AGAIN AGAINST XXXX XXXX XXXX AND NOW SELECT PORTFOLIO OUT OF UTAH. MY FIRST COMPLAINT WAS RECEIVED BY Y0U ON XX/XX/XXXX, XXXXREFERENCE # XXXX COMPLAINT STATED THAT IN MY SETTLEMENT AGREEMENT I WAS GIVEN ONLY {$600.00} FOR MY TROUBLE BUT A PRINCIPAL REDUCTION ON MY LOAN. RECEIVED OFFER FROM XXXX XXXX XXXX XX/XX/XXXX. THIS WAS NOT A FORM MAILOUT AS IT INCLUDE MY LOAN NUMBER AND BORROWERS NAME PROBLEM ONE THEY ACCELERATED MY PRINCIPAL FROM XXXX TO XXXX.YOU HAVE THIS COMPLAINT IN MY FILE WITH SUPPORTING DOCUMENTS. XX/XX/XXXX OUR ATTORNEY ISSUED A LETTER TO BOA WITH CORRECTIONS ON THE OFFER AND WE WERE TO PAY OFF THE LOAN BASED ON TRUE NUMBERS OF MY SETTLEMENT. THEY HAD 30 DAY TO RESPOND INSTEAD SOLD SERVICING RIGHTS TO SELECT PORTFOLIO. SELECT REFUSES TO HONOR THAT SETTLEMENT. AT THE TIME ATTORNEY. NOW WITH MONEY TIME STRESS WHERE WE ONCE HAD THE CASH NOW I HAVE A BUYERS AND I WANT WHAT WAS PROMISED ME THRU MY EFFORTS TO HELP YOU BRING DOWN THE FRAUD SCHEME WITH THE BANK. SELECT HAS STALLED ME WONT COME TO THE TABLE TALKS ONLY OF LOAN MODIFICATIONS WHICH IN THAT TRAP THEY DENY IN THE END AND THEN YOUR CASE FOR PROBLEMS FROM THE FIRST LOAN U CAN NOT USE. I ACTED IN GOOD FAITH TO MIDIGATE THEY DID NOT. I WANT TO KNOW THAT WHEN THE XXXX HANDS DOWN A SETTLEMENT THAT IT HAS TO BE ABIDED BY IN FAVOR OF BORROWER. I NEED YOUR HELP IN THIS MATTER. SINCE XXXX I HAVE TRIED TO MIDIGATE THEY ARE NOT INTERESTED MY NEW CASE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX  and Experian should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs 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 2022-03-07
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. Page 39| 43 I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and XXXXppropriate County, State & Federal authorities, the CFPB, XXXX and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of North Carolina medical privacy rules .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Credit Control, LLC
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: Information is missing that should be on the report

Complaint:
That is not my address and I want it to remove 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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I was contacted by Capital One about the Venture XXXX credit card I opened up and they said that they needed me to submit some information for identity verification. I uploaded those documents on the same day. 

On XX/XX/2022 I called Capital One to make sure that I uploaded everything correctly, they said that I needed to add a few more bank statements and other documents which I added. On the phone they said everything looked good and to wait to hear back. 

On XX/XX/2022 I got a call from a Capital One agent who wanted to get on the phone with my XXXX XXXX  account to confirm some information I submitted. The Capital One agent tried to call XXXXXXXX XXXX multiple times and could not get ahold of anyone. The agent said that my account had then been marked as permanently restricted and there was nothing I could do to get it open again. I tried to get specific information about why my account was being permanently restricted and was connected with a manager who could also not give me any information. I have talked with multiple different agents at Capital One who say there is nothing to be done to prove my identity and they can't give me any information on what the discrepancies were. I have been charged a {$390.00} membership fee for the card which can now not be refunded and Capital One says there is no way of getting back even though the permanently restricted my account and I will have no access to my rewards points or any membership benefits. Being locked out of my account and having to eat {$390.00} without any explanation has been really hard to process and that amount of money is a significant amount to me. I find it absurd that I can't do anything further to prove my identity or at the very least be reimbursed for my membership fee that any benefits of are now also permanently locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: SC
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:
The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX LoanCare , LLC did an escrow analysis on my acct which showed a surplus in the amount of XXXX. As of XX/XX/XXXX the company still has not released my surplus. 

I have made several phone calls and have been told that nobody in Escrow takes phone calls. I have been told several times that this issue is being escalated and someone will call me back within 24 hours. I have yet to speak to anybody that can resolve the issue. 

I was also told on XX/XX/XXXX that on XX/XX/XXXX the company decided that they need to re review the escrow since the surplus was so large and that is why they had not done the refund.

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