BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: Resurgent Capital Services L.P.
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 belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage from Guaranteed Rate affinity LLC. when I purchased my home in XX/XX/2020. 

> I was asked to pay 12 months of Insurance payment in my closing statement. I had paid for it. 
> However when the Insurance company had asked for the amount, they had not dispatched the payment on time despite telling me that they have done so when I had called to confirm. 
> They had finally dispatched the amount after the insurance  company had cancelled my insurance retroactively ( 2 months into the loan ). 
> I was subject to undue XXXX as I could not convince the insurance company to reinstate the insurance. I had finally after much shopping able to find a new Insurance going forward and got and paid for it. 
> Despite messing up the insurance, Guaranteed rate had put in an expensive Lender Placed Insurance and hit me with a charge ( almost 6 times the cost of the original insurance I had placed ) > They had transferred my Mortgage to XXXX and applied a credit of the amount with my Mortgage > I had disputed it with XXXX and when on a conference with Guaranteed, their representative had agreed to dispatch the amount to XXXX so they can take away the credit. 
> But the check was never sent. When I had called them, they completely disagreed that they had agreed to pay and are giving us lame excuses each time. 

At a pandemic time when we are trying hard to keep our mortgage commitment, Companies like this are incompetent in handling their escrow and are charging the consumers for their oversights. Asking me to pay for something I had already paid for and transferring the loan to a 3rd party without resolving their error tantamounts to fraud. I have all the evidences for this that I am willing to share. I had already raised a complaint with XXXX ( Complaint ID XXXX ). When we are trying to resolve this with them, their agent had hung up with me without resolving and giving a new lame excuse ). I request your agency to audit this company and have them repay the amount they have charged me for their mistake. The loan account number is XXXX. I am attaching the following : ( 1 ) my closing statement showing that I had paid for the insurance for 12 months in advance to their escrow department ( 2 ) Email where I had reminded them to dispatch the amount to the insurance ( 3 ) Letter from the insurance company stating that they are cancelling the insurance due to non payment of the due ( 4 ) My letter to Guaranteed Rate asking to resolve the issue that is still pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed numerous accounts with XXXX XXXX XXXX and received letter that they were going to delete each account. So after seeing that the accounts were n't being removed I faxed the letters to Equifax to have the said accounts removed. Equifax instead reinvestigated the accounts by sending copies of the letters I sent them to XXXX XXXX XXXX to ask them did they send the letters. After waiting for the investigation to conclude, I noticed that the wording " Consumer disputes - reinvestigation in progress '' had disappeared and has been replaced with " Consumer disputes this account information Collection account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: FL
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 check my credit report and seen inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Equifax does not investigated account they just mark them as accurate Equifax shows Multiple Accounts that is not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX, & XXXX, XX/XX/XXXX, and XXXX letters were sent to dispute and remove invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around XX/XX/2017. I have until XX/XX/XXXX to accept. The bank has added $ XXXX to my principal for missed payments. There is no discussion or negotiation. My principal went from {$140000.00} to {$180000.00}. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?

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 2016-05-25
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Today is the sixth time I have tried to access my safety deposit box at this US Bank location ( XXXX XXXX XXXX, XXXX XXXX IL XXXX ). I have been successful in accessing my box XXXX attempts. The staff states they are unable to access the vault, ( that was the reason today why I was not allowed to access my box ) but other employees of the bank have stated that is not true and the vault was working. 
Also, the one time I successfully ( XXXX XXXX, 2016 ) accessed my deposit box the employee stated, " let 's not fill out the paperwork if you 're going to be quick '' and did not check my ID or fill out the required form to access my box. I believe there is possible fraud happening at this bank and employees may be accessing safety deposit boxes without consent or knowledge of box owners. I am attempting to empty my safety deposit box at this time but am not being allowed access to it.

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 monetary relief
Consumer complaint received 2015-08-05
Company: High Point Asset Inc
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get calls from this company, I believe it is High Point Asset @ XXXX. They are trying to reach XXXX XXXX at my cell number. I have spoken to them several times now, explained that this is not his number, explained that I have had this number for at least 15 years and request that they stop calling. Despite assurance otherwise, they continue to call XXXX at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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: Investigation took more than 30 days

Complaint:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

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 2022-09-12
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an incorrect address on my credit report. 

It is listed as XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX This has caused a number of issues with a recent job I applied for as well as a home mortgage for verification purposes. 

I contacted XXXX and they informed me that the information was provided by Homepoint Financial. 

I contacted Homepoint Financial on XX/XX/2022 and described the dispute to them. I received an email response that they will review inquiries in the order they received them. I have and heard nothing back. 

I do not want this address on my credit report. I do not live there, never lived there and have never lived in KS. I have no idea what other issues this may create for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: LEXISNEXIS
State: MI
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:
On XX/XX/2022, I filed an Identity theft report against LEXISNEXIS for selling, furnishing and reporting information they have no consent or permission from me to furnish or have. It is my right to privacy to keep my non-public personal information private and hold any person liable for stealing my information, which LEXISNEXIS has done. On XX/XX/2022, I sent LEXISNEXIS an Affidavit of Truth for committing Identity theft. On XX/XX/2022, LexisNexis sent me a reinvestigation letter showing all deleted alleged personal information they had on file of me including a XXXX  XXXX XXXX. As of today, LexisNexis continues to furnish the XXXX  onto my credit report with XXXX, XXXX and XXXX. LexisNexis has no permissible purpose, nor do they have my consent to furnish any alleged information about me. I have never done business with LexisNexis and neither do I have a contract with this company that allows them to furnish information about me. They are in several violations of Federal Laws that prevents them from defaming my character, causing harm to me and preventing me from being able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted this collection company handling this debt and they said the debt is mines but the phone numbers on file doesnt match and i dont have no knowings of this collection, im not responsible for this debt and it has caused a huge burden on myself.

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 2020-04-04
Company: LendUp Loans LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid my debt back to Lendup this past XX/XX/2020. 
Since my debt is paid off I asked for this company to close or delete my account off my credit reports. They refused to do so because of lawsuit or settlement issues in the state of California and the other states in United States. 

My paid in full loan # XXXX My request for deletion of account # XXXX verification code XXXX. 

I have also submitted a letter to all 3 credit reporting bureaus and this action has not been completed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: SLM CORPORATION
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID-19, Im off work temporarily and unable to pay my mortgage. Upon contacting Freedom Mortgage several times, Im being told my only option is a 3 month forebearance plan with full payment due at the end the 3 months ; additionally they are requesting verification and documentation of income and expenses. This is completely not in compliance with the recent legislation passed to protect homeowners at this time. Upon questioning the plans available under CARES act legislation, I was told I would have to contact and apply directly with the FHA for any such assistance - Again completely inaccurate and not compliant information. Freedom Mortgage should not be allowed to operate in this matter as they are providing complete inaccurate information and attempting to benefit financially from customers affected by this global pandemic.

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 2015-12-02
Company: Climb Credit Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have to a non-traditional credit lender which partners with CodeUp, a coding bootcamp provider here in XXXX XXXX. I filled the application for the first time on XXXX XXXX and received an answer on XXXX XXXX that I did not qualify. They encouraged me to use a co-applicant to increase my chances, which I did by reapplying with my wife. And it did not even take 24 hours and I receive the same standard message of rejection on XXXX XXXX. 
Their website clearly specifies that they do not do hard hits on credit reports so we should not see any loss of points or negative consequences on our credit score. 
However, since the last application, they keep running our credit reports. The last XXXX was this XXXX XXXX, the XXXX time. I have not applied for credit since that second application, yet my credit report is pulled again and again. The same for my wife. 
I attempted to contact them to discuss this matter through the number provided on their website, but it keeps sending me to an automated message telling me the hours of operation and to call back. I have not heard from them despite my many attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 XXXX  XXXX XXXX sent information to the Chex Systems. That I have unpaid account. That is wrong. 

Please help me get Chex Systems , Inc.

Attn : Consumer Relations

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 2020-04-04
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:
XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

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 2022-04-15
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-03-24
Company: CONTRACT CALLERS INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!

Company response to consumer: Closed