BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX  & XXXX  ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been writing letters to this comp any for more than two ye ars. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even   though TWO YEARS has already passed.
<P/>
Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docum  ents. Nothing at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
problems with properly maintain my  credit score  and wrong information with bills under my name

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 2022-08-30
Company: E Mortgage
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, my significant other and I initiated a mortgage refinance loan application with E Mortgage. We were told our approval rate had gone down 2 days prior to the closing day of the loan. Once we got to the closing with the assigned notary the documents did not align with what was discussed. It turned out we were paying for a points-by-down. We never agreed to such a commitment. We didn't get the opportunity to review the closing disclosure until the afternoon of closing. I noticed the fees didn't add up so the loan officer was called to briefly go over the document Closing Disclosure. We didn't get a realistic time to review the document in its entirety. 

Fast forward to XX/XX/2022, checks were disbursed for payment to creditors. Multiple checks were not the pay-off amount that was due to the creditors at the time of processing the loan. The accounts weren't utilized and the final balances were off by several dividend amounts. This caused a continuous stream of interest and credit card debt. We are currently paying a higher mortgage with half of the accounts still having a remaining balance. Multiple credit card accounts were also CLOSED due to unauthorized payments and returned checks. ( same issuing creditor for multiple accounts ). It is now XX/XX/2022 and payments still are returning after the reissuing of the checks. With the same inaccurate amounts.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
How the  XXXX  do we allow these rental companies specifically in my case   XXXX   to put some mysterious hold charge on my checking account that takes the price of car for a week plus deposit which is subtracted from my account then magically disappears some days later when I return car and applies real charges how does chase allow this and where the  XXXX  is the traceability. This is total   XXXX   my account has overdrawn due to this incredible  XXXX  arrangement that chase and   XXXX   have. It 's the  21st  century how can a transaction disappear also why the  XXXX  does   XXXX   get to charge me right away but when car is returned actual billing takes days this kind on non real time arrangement sucks and should. Not be allowed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: MO
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 been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of th eir INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho  ugh TWO YEARS has already passed.
<P/>
Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docu  ments. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Recovery One, LLC
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:
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a XXXX  car XXXX  in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This XXXX  account is not mine Im not liable for it its a fraudulent account

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 2017-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our Client has applied for modification to save her home from foreclosure on her own and then again with us,   XXXX   XXXX   XXXX   XXXX   She signed on with us for help on   XXXX  . Prior to our help she was offered a repayment plan for 13 months with monthly payments being {$580.00} with a large balloon payment on the   XXXX    month of about {$10000.00}. We reapplied and was given the same plan. Modification was denied due to not meeting investor guidelines. A foreclosure sale date has been se t for  XX/XX/XXXX . This repay ment plan is far outside the affordability of our client due to the strict limited income she lives on. The loan originated on XX/XX/XXXX and matures on  XX/XX/XXXX  with prior monthly payments of   XXXX  . This she can afford.
Her income is only about {$800.00} per month from SSI and limited food stamp assistance. We are hoping that something can be done to stretch this loan out further in order to keep her payments around what they were when it was affordable. She is an elderly woman with medical issues that are ongoing. She fell behind due to these medical issues and would like to get things back on track, because her situation limits her ability to relocate and affordable housing is limited.
We have tried to work this out with the Lender, though they do not want to budge on this.
Please help us find a reasonable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
Request for credit was declined based on inaccurate information, and inaccurate credit score. I am requesting to have the opportunity to open up credit based on accurate information. Making decisions based on inaccurate or incorrect information is discriminatory in nature.

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 2017-06-08
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX mailed mortgage payment for XXXX XXXX, 2017 ; XXXX/XXXX/2017-spoke to customer service rep at Seterus, Inc regarding payment because it had not been posted to account. CSR said give it at least 10 days. XXXX/XXXX/17-payment still not posted to account. at this point, I assumed payment was lost in transit and I put a STP payment on that check and authorized on-line payment from my Money Market account from a totally different bank. XXXX/XXXX/2017-payment posted to account, but funds not withdrawn from MMK account. I called Seterus again to enquire as to why. The CSR at Seterus told me it could take a few days before funds are actually collected. XXXX/XXXX/2017 I received a phone call from Seterus telling me my mortgage account was delinquent and how did I want to take care of it. I explained the chain of events that had already transpired with the payment. The Seterus CSR told me they were not able to collect the authorized payment because the account could not be found. I gave the CSR the MMk account info again and the payment was accepted. This puzzled me. I contacted XXXX XXXX to query the issue. I was told Seterus coded their payment request as a savings account instead of a MMK account and therefore were not able to collect my mortgage payment. Both parties acknowledge, no error on my part, but Seterus, Inc, the mortgage servicer has put the burden on me to provide proof of their mistake and has charged me a late fee and indicated that my mortgage payment was late. In 25 year, I have never missed a payment nor has it been paid outside of grace period. This is very unfair to me as a diligent consumer. XXXX/XXXX/2017 XXXX XXXX ACH supervisor again acknowledged coding error by Seterus but would not provide a written statement to that effect. My attorney suggested that I file this complaint to see if the issue can be resolved and my money for late fee is refunded and my payment record corrected.

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation an d copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou  gh TWO YEARS has already passed.
<P/>
Alll I received from this compa  ny is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 2022-10-06
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has not furnished a contract with my signature on it in blue ink agreeing that I owe {$160.00}. 
Also In accordance with The Fair Credit reporting act this creditor has violated my rights. Under 15 USC 168 1 section 602 says I have the right to privacy.. Under 15 USC 1681 604a section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 16 USC 1666b a Creditor can not treat a payment on an account that's open on a credit report as late unpaid or in collection. Private information was transferred without my permission. I have a common law copyright on my name XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: LEXISNEXIS
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:
XX/XX/XXXX XXXX XXXX Consumer Relations XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, XXXX XXXX : XXXX, for : XXXX. 
Under the name of : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX I am disputing this incorrect information. There has never been an XXXX  suite brought against me. 
There are also addresses listed in your system which do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your systems immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity.

Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.

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 2017-06-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.

Company response to consumer: Closed with explanation