BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX We contacted Capital One about the account and they told us that they did n't have any record of the account because they had turned it over to a collection agency. We then contacted that agency and they said that they did n't have it anymore and that Capital One had taken it back. We then called Capital One back and they said that there was no payment ( s ) needed because the account was basically forgiven. At this time we thought everything was on the go so we proceeded on trying to purchase a house. 



XXXX/XXXX/XXXX I got a call from the lender today stating that we had an issue with the Capital One credit history in the amount of {$660.00}. The lender said that we needed to get the 90 and 120 day late payments that Capital One reported to the account off and why on the credit report it states that the status is a " Profit and Loss '' account. I called Capital One in regards to this and they stated that they do n't report Profit and Loss, but they could not explain why. I then asked them to remove the 90 and 120 day late payments off because at the time they closed the account I was the only one working at home and I was put in the hospital for 1 week and out of work for 3 weeks. During this time we were trying to catch up on the behind payments but just was n't able too due lack of funds. At this time they stated that we were in a dispute with them that was not resolved but they reported that it was. When we contacted them about removing the late payments all they said was they would get in touch with their credit department and make sure it was n't misreported. So I called XXXX XXXX and stated a new dispute with them against Capital One on these matters. I need these matters taking care of ASAP so that i can go forward with the closing on my new home mortgage. This is the only thing holding us up at the present time to get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN 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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
An Alaska XXXX/Bank of America credit card was opened in my name. I received texts from BofA asking if I authorized a purchase but I thought it was a phishing ploy. I received a call from BofA asking me to pay on my account, which was the first awareness that a card was opened with my credentialsSSN, Address, Phone, etc. 
I explained to BofA that the account was not opened by me. They closed the acct and told me to freeze my credit with the three reporting agencies, which I have donenot easily, Ill add. quivax couldnt get my address correct when I had just put it into their system. The confirmation letter of my account freeze came up with another address for me. 

Wha bothers me is the fact that the reporting companies want people to pay a monthly fee for reporting information. It seems like a conflict of interest 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 2017-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In  XXXX   2017 , I settled credit card debts with  XXXX  on behalf of chase bank eliminating my liability on  XXXX  credit cards I had with them. After more than 3 months, chase has failed to accurately update my credit report. They updated the report showing the  Settlement  payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with chase and the credit bureaus multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX was recommended to us thru a good friend of ours to re-finance our loan. Everything went well the first time. We closed in XXXX. 
As soon as our closing was complete, XXXX started harassing us to re-finance again, promising us a lower rate and guaranteed us we would not have to bring any money to the closing table. 
Isnt that called predatory lending? 
We finally gave in. The whole process lasted about 7 months. The night before we were to close, ( XX/XX/XXXX ), XXXX tells us that we would need to bring between XXXX and XXXX to the closing table. We told him that was not what he had promised, and we did not have that type of money. We feel like he tried to bait and switch us after harassing us for months and guaranteeing that we would not have to bring any money to the closing table. 

We would like to file a formal complaint against XXXX for his relentless harassment and the way in which we feel he tried to bait and switch us at the last minute. We are hoping to bring light to this situation and hope we can stop him from treating anyone else like this. We feel so violated. We trusted XXXX to find out he was lying to us the whole time. After this experience with XXXX, I would never recommend him or his company he represents ( Caliber homes ) to anyone. If they let someone like that work for them, what does it say about the integrity and honesty about the company. 

XXXX XXXX XXXX works for Caliber homes in XXXX. His NMLS # is XXXX That office # is XXXXHis cell # is XXXX. 

The Caliber corporate # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
This is a follow up to CFPB Case XXXX. After reporting my concerns in XXXX 2015, about Synchrony Bank I am not satisfied with the resolution. The company had removed 2 payments from my checking account ( without approval ) and applied them to a JC Penney XXXX Card account ( which I did not have ) The payments I was making towards a XXXX XXXX were not recorded towards my account, therefore, late fees were charged. The account numbers on these account are very different, the addresses for payments are not the same either, yet these were the explanations I received. The solution was to credit the XXXX account, and remove any outstanding balance, however, instead of doing this, I received a XXXX balance on the JCPenney account ( which I do not have ). I have called the Senior Specialist who handled the case with this information and had to leave it on the answering machine XXXX twice ). I have been more than patient with this company, but still, I receive no response. In addition, my credit rating has dropped almost XXXX points, due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was involved in an accident at the XXXX XXXX XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX  and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in  particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. XXXX XXXX XXXX and Gulf Coast collection bureau. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On numerous dates, I 've sent Letters of Dispute ; most recently on  XXXX / XXXX / 2017  &  XXXX / XXXX / 2017 .     The amount disputed is {$10000.00}, which was included on  Ditech  's " Payoff Quote '' to  XXXX   XXXX  and which I had to pay in order to close escrow per contract with Buyer or face Breach of Contract. I paid the above amount, but have had no luck in recovering.     The actions taken by me, were to continuously write them letters requesting they provide us with a REFUND of {$10000.00} or provide a Payment History proving  DiTech Financial were corr ect in charging said amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 partial payment was made to NewRez they put a 30 day late notice on my credit report even though they accepted my partial payment. It was not late just not full amount paid and the full amount was made right at the 30 day mark. Please remove the 30 day late payment off credit report. NewRez policy is not fair and they should not have accepted a partial payment and then get me for 30 day late. Their statements are also confusing and amounts changed a few times, late fees applied where not warranted. My bank statement shows payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: REGIONS FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay into an escrow account for taxes and insurance. Our lender and their tax escrow company constantly pay our real estate taxes late incurring penalty. We get notified by the County the taxes were not paid via a late notice saying our taxes will be sold for for nonpayment. The lender servicing our loan Regions Mortgage will not take any calls. Only e-mail which they do not respond to or submissions via their public facing servicing portal. For the last 2 years we have had to constantly submit past due notices to them via their portal. They only pay the taxes after we contact them to pay it and submit the late notice to them via their portal proving they never paid it. What we recently learned is that Regions XXXX XXXX XXXX provider XXXX  is not paying the taxes on time. We pay our mortgage on time, they have teh money in the escrow account, they need to pay our taxes on time. Both Regions and XXXX are in violation of teh escrow agreement we had to sign. Constantly paying late and then paying the applicable late fees is not an acceptable practice. It is just a matter of time before something goes wrong and our taxes get sold at a tax sale.

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 2020-04-13
Company: Experian Information Solutions 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:
On XX/XX/2020 Experian XXXX XXXXl sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by XXXX employee having committed fraud. As direct result of Experian XXXX XXXX ; Experian XXXX ; Experian Information Systems , Inc ( EIS ) and dba Experian XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure of ( 1 ) erroneous or false reporting of NYCSE accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent activities ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

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 2020-03-30
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : Experian : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2015-11-09
Company: First National Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2016-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is hard inquiry on XXXX/XXXX/2016 labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have it removed as soon as possible.

Company response to consumer: Closed with explanation