BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: KY
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 a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 2015-08-13
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: URS Holding, LLC
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: KY
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:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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 2017-12-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-08-16
Company: Experian Information Solutions Inc.
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:
As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$1600.00}

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 non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MD
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 SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We had decided to go to school to better myself for our family and fell into a terrible trap. My loans were originally through XXXX and then transferred to Navient. We have been trying to set up a payment plan in order to begin paying on our loans for a really long time now. Every time that we contact Navient they do not listen to what we have to say. We are constantly redirected away from paying for our loans. They tell us that there are forms in which we need to fill out to help serve us, yet nothing ever comes of it. We have been laughed at and told there is nothing they can do for us, unless we fill out more forms they seem to never receive??? We are just looking to pay an affordable payment, that does not take my entire income as we were promised when we began the endless school adventure. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A California state tax lien was filed in error against me in XX/XX/XXXX and recorded in XXXX County for a total amount of {$2500.00}. The Ca FTB claimed I never filed taxes for tax years XX/XX/XXXX and XX/XX/XXXX and began sending notices to an adress I DID NOT LIVE AT NOR EVER LIVED AT so I had no way of knowing about the proposed lien nor was i given a fair opportunity to respond to and clear up the proposed lien by simply refiling my tax returns for those two years. I only learned of the liens ( XXXX In XXXX XXXX County, Ca and XXXX in XXXX County, Ca ) after personally checking my credit reports from all XXXX bureaus after being denied credit XX/XX/XXXX. I began contacting all XXXX credit bureaus shortly thereafter and after sending indisputable proof the liens were filed in error XXXX removed both tax liens, XXXX XXXX removed both tax liens ( After a long, drawn out brutal struggle ) and Equifax removed the XXXX XXXX County filed lien. I owed very minimal amounts for XX/XX/XXXX and XX/XX/XXXX ( Approx {$130.00} total which i sent money orders for both amounts on time during those tax years ). After refiling tax years XX/XX/XXXX & XX/XX/XXXX the Ca XXXX waived all penalties and interest and i was left to pay a very small recalculation for tax year XXXX of {$35.00} because i calculated wrong during my addition/subtraction of tax owed. The {$2500.00} was tax i owed for both years but i had sufficient monies withheld to cover both. I have submitted to Equifax by fax 1. Original FTB Notice of intent to file state tax lien which clearly shows the WRONG ADDRESS so i NEVER received ANY NOTICES. 2. An original copy of my XX/XX/XXXX XXXX which also clearly displays my correct XX/XX/XXXX home mailing address. 3. Original copies of my XXXX & XXXX Ca state income tax returns showing amounts owed. 4. A copy of my FTB payment history which shows i paid a total of {$35.00} for tax year XX/XX/XXXX and shows i did NOT owe anything for tax year XX/XX/XXXX. I have disputed this information at least 5-6 times and Equifax refuses to inform me how they conducted their investigation and states it is in fact a correct filing whereas the Ca state FTB even stated they were in error but since it was already filed its part of public record. This lien filed in error has prevented me from obtaining credit and is the only black mark on an otherwise perfect credit report. After much researching I have found Equifax has engaged in unfair and illegal practices regarding investigations into correcting consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
Dear Sir/Madam, I am writing to complain about the AMEX Platinum Card. Seeing the offer that spending {$3000.00} within the first 3 months I can get XXXX Membership Rewards points, I applied for this card in XXXX 2016. ( Detailed offer description image is attached. ) I spent {$6100.00} including {$450.00} annual fee, {$1100.00} refund which was a helicopter tour canceled by the agent due to bad weather, and {$20.00} XXXX gift card which I really sent to someone as a gift. Deducting these XXXX items ( {$450.00} annual fee+ $ XXXX {$20.00} XXXX gift card ), I still spent {$4500.00} in the first 3 months, which is much more than what the offer requires and I got XXXX MR points as soon as the third statement came out. ( Detailed statements for the first 3 months are attached. ) However, I was surprised to find that my MR points were adjusted for XXXX points on XXXX/XXXX/2016 without any notice from AMEX. I tried to call the customer service many times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. No feedback is given so far. 
I think I am definitely qualified for this offer and AMEX has no reason to take away my MR points. Therefore, I am hoping that AMEX can return the XXXX MR points that I deserved. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I notified XXXX that I am 66 years age and have had credit most of my life. I have purchased 5 houses and I have banked at the XXXX XXXX XXXXXXXX for 26 years. None of this information is reported on my credit report. All of my accounts are reporting 10 years or less. I have been paying more interest for credit and I have been denied credit cards and my credit card offers are reduced because of my short credit file history. What can you do to 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 explanation
Consumer complaint received 2022-08-16
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received an alert from XXXX regarding a collection for XXXX XXXX, this company has not notified me of the debt for me to tell this this debt is not my and that I previously had argued with another collection agency regarding the very same company. 
this collection agency has put on my credit report the collection as of August of this year with no phone number no date or anything regarding the debt. 
If they would have contacted me I would have told them that XXXX XXXX was sending bills to an address that was not mine nor where the charges on the account. 
I am not responsible for the debt due to fraudulent activity on the account that I no longer had and was with another XXXX service. 
this company is very fraudulent by putting activity as if it just happened not notifying the consumer to give them the legal XXXX days to show that it is not their debt. 
this company should get in trouble for the illegal tactics. no phone call, no letter, no chance of thirty days to argue just put it on and drop my score 25 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : 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 explanation
Consumer complaint received 2022-03-25
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender started a escrow account in XXXX of 2021 and i have complained about it several time without any sucess. I was not deliquent in taxes nor for insurance. I did not agree to restart escrow account. Asking them to remove the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from XXXX XXXX trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: SC
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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Dear XXXX, XX/XX/XXXX After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Personal information incorrect

Complaint:
Dear XXXX, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,

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 2022-08-17
Company: Experian Information Solutions Inc.
State: SC
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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 2017-03-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!

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