BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ XXXX / XX/XX/2022

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 2020-02-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX  XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}

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 2017-06-11
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid 3 payment in XX/XX/XXXX totaling {$2400.00} which paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This bank reported to the credit agency ( XXXX, XXXX XXXX ) that I paid 1 payment of {$820.00} for XX/XX/XXXX I will be consultanting my attorney regarding how this bank reports inaccurate payment information on my credit reports. 

How to fix my 1st concern : I want SNB to contact the credit reporting agency the actually amount I paid in XX/XX/XXXX, which was {$2400.00}. NOT THE LIE OF {$820.00} which isn't the TRUTH! 

My second issue, this bank unapplied my XX/XX/XXXX payment and throw it into a suspense account. This bank never called me or sent me a letter. By them un-applying my XX/XX/XXXX payment it's currently showing that my XX/XX/XXXX is due, even though it sitting in the suspense account .Does this make any sense? No! So, know what am I suppose to do baby sit this bank and remind them tore-apply my money. I have better thinks to do. If they didn't want my XX/XX/XXXX payment, they should have cut me a check and returned it back. Instead of having my account show that my XXXX XXXX payment is due, when it is not. 

How to fix : I want my XX/XX/XXXX payment taken out of suspense account and re-applied back to my account or cut me a check and return the money. 

I will be consulting an attorney about this situation and you not reporting correct payment amount for the month your reporting to credit agency, applying and un-applying my funds without notification to me ; which allows payment to reflect as outstanding, when you have the money sitting in suspense account and ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 spoke to a rep from each bureau, Transunion, XXXX, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!

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 2021-05-14
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Beginning of XX/XX/XXXX we were on a 6 months forbearance program due to pandemic, later in XXXX we continued another 6 months of the program. However in XXXX we filed for modification. We got approved in XX/XX/XXXX with the modification. We were not notified with the modification approval or received any paperwork. 
On XX/XX/XXXX the XXXX company called us and advised us that we are required to do a payments for the months of XXXX in the amount of {$4800.00}. We made a payment via phone to this company for the exact of {$4800.00}. This payment was taken from our bank and we have the bank statement to show the proof of payment. However till today XX/XX/XXXX the payment has NOT being posted to our account. We tried to solve this issue with this company for over a month and half, with several phone calls and yet this issue has not being solved. 
We resumed our normal payments. But {$4800.00} has not been posted, we are getting charged with interest on this and also getting multiple delinquent calls harassing us.

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 2017-06-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Call from a number impersonating the Consulate General of XXXX XXXX in New York, a criminal gang posing as XXXX XXXX and members of US Department of Higher Education had access to my email and said I never took advantage of a scholarship by the American Government and wanted me to pay cancellation fees or face legal trouble back home and that I was on the American XXXX List, this XXXX XXXX then posed as an employee of the department of Higher Education with this number XXXX on XXXX and phone call. Spoof email : XXXX. After sending me a warning email and forms to fill for cancellation and bank account to transfer to the American Higher Education Department, a SWIFT Transfer ( number XXXX ) was sent for the amount of XXXX $ to the following bank account : Bank Details for Wire Transfer Account XXXX XXXX XXXX Bank Name Wells Fargo Bank, N.A Bank Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, United States Beneficiary Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX Routing Number XXXX Payable Amount {$2100.00} Purpose of Payment XXXX Registrations XXXX Complains already filed as follows : reportfraud.ftc.gov ( XXXX number XXXX ), XXXX XXXX XXXX XXXX, Wells Fargo NA Bank ( XXXX ), Al XXXX Bank ( request number : 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 2017-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
<P/>
The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX  reported me as 30 days late on  XXXX   2017 . This was done in error and was supposedly corrected by them in  XXXX   2017 , but it is still showing on my account for Equifax. It has been removed for  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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:
For XXXX XXXX XXXX XXXX XXXX, it is saying that the account is delinquent when it has been consolidated and taken over by XXXX XXXX. This account is also 12 years old and it is closed so it shouldn't even be on my credit report anymore being that it is a very old closed account that was consolidated 4 years ago. I have disputed this account with XXXX XXXX XXXX and XXXX XXXX and Transunion on several occasions pointing out the errors and they refuse to remove the account. There are 4 XXXX/XXXX on my credit report that do not belong there. It says Chapter XXXX Wage earner account in the remarks, but I have been out of bankruptcy for 2 years and have paid off these loans with a consolidation student loan 4 years ago. Please remove the 4 XXXX/XXXX accounts from my credit report. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX   XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: E*TRADE BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My Name is XXXX XXXX. I am a XXXX XXXX Veteran and a XXXX Employee and I need your help. <P/>
There is a 2nd Trust Deed that should have been expunged or otherwise eliminated from my Property Lien history a long time ago. It shoes up on my Preliminary Title Report ( Attached ) and is complicating things for me to be able to get a new refinance loan. <P/>It was originally with XXXX XXXX XXXX/XXXX XXXX XXXX and later there was an assignment of the Deed of Trust to E*Trade Bank . I have attached all the documents that I believe you will need. I need to have this permanently deleted from my records and I need either a full reconveyance of the Deed of Trust in question or some other kind of evidence in writing that this matter is behind me so it does n't persist in the future where my property records are concerned. Our refinance lender has done a great job of helping us and referred us to you for help clearing this up. <P/>Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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:
Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My 5 year old mortgage is with USAA and is serviced by XXXX. Last year I purchased land across the street but not attached to my land and I paid cash. I have the deed. I am a 100 % XXXX Veteran and have a exemption on my home and land from property taxes. 

USAA has the documents and I have not paid taxes out of my escrow and always receive a refund at the end of year because I do not pay property taxes on my home and land. 

Last year USAA paid my property tax for the land I bought out of my escrow!!! 

I worked on this with them as well as my local tax office for months. They have my home parcel number on my land across the street in their system I have spent weeks complaining to USAA and have been assured it was corrected last year by USAA. 

However after logging on to check because taxes are paid here in XXXX and XXXX and it is still showing as they are about to pay taxes out of my mortgage escrow on land that is not attached to my home or mortgage and I have the deed for that land. 

I am beyond appalled and frustrated. I have reached out to them yet again and spent several hours once again on the phone with USAA and XXXX. 

They have assured me the problem will be fixed but as you can see by the attachment it is still showing as they are ready to pay taxes on land out of my mortgage escrow that is not attached to my mortgage! 

USAA used to be among the best for XXXX but they simply no longer care to fix their troubled systems. 

This should be extremely illegal and I think about older Veterans who have no access to internet and have no idea this is happening to their escrow accounts. 

I have attached a screen shot of my escrow, parcel maps showing my home and my land across the street. 

You can clearly see they are using my home parcel number to pay taxes on my land across the street. 

Once again I am totally exempt from paying property taxes on my home and land but I am required to pay taxes on my land across the street that I paid cash for and have the deed so it should not ever be paid out of my mortgage escrow! 

Thank You!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland did not respond to my dispute in a timely manner and they have failed to provide evidence that the account is mine. The policy per their website " Per our policy, we stop credit reporting on accounts that are more than two years past the date of delinquency ''. 

My account is over 2 yrs old and they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.

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 2021-05-15
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Halsted Financial Services falsely took out money out my account without me agreeing to it. I was suppose to pay XXXX to these people every two weeks was never told about a XXXX processing fee so they took it upon themselves to take XXXX out of my account and XXXX. I am not paying these people more than I agreed to. Then they send receipts saying they took out XXXX and not the real amount they took out. I am reporting them to my bank for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have inaccurate accounts on my report that does not belongs 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