BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX years old. I applied for modification of my mortgage four years ago when it was serviced by XXXX XXXX Company. I agreed to a modification in which my payment would be {$480.00} per month including my insurance and taxes, I was told if I make four payments of that amount, I would have a permanent modification. I sent XXXX the four payments, then I sent another two payments. XXXX was taken over by Flagstar bank. Then I was notified that my payment would be {$520.00}, not including my property taxes or insurance. This was not affordable and not what was agreed. I did all that I was asked to do and it seems like it was a bait and switch. I then worked with Flagstar trying to get a modification that I could afford, I sent my documents in four times, they kept making me resubmit them, only to tell me in the end I did n't qualify. I have the fax confirmations to prove it and can provide the information if needed.
My home was sold in foreclosure sale and purchased by Flagstar bank for {$40000.00}. I can afford the first modification amount of {$480.00} and if they had lived up to that contract I would still be in my home. This has caused a tremendous amount of stress on me and has impacted my health. I do n't want this to happen to anyone else. If a company buys another company, they should live up the existing agreements, they also should not require homeowners to submit their documents time and time again. It wastes time, but more importantly is playing games with peoples lives.

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 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, 2022, Capital One solicited me, offering to issue a {$200.00} credit card if I put a deposit of {$200.00} in an account as security. I applied and was accepted. I used the card once, paid the bill, never carried a balance but in XXXX, the company closed the card account even though I was never late and have a XXXX balance. The credit bureau said this closed account damaged my credit, so I called Capital One to find out why the account was closed. After several calls, someone said I had an earlier account ( I think it was over 15 years ago ) and there was an " issue '', so this new account was closed. Meanwhile, Capital One CONTINUES to send solicitations for cards to rebuild my credit. 

Capital One should have done any due diligence up front before issuing a " credit rebuilding '' credit card, rather than issuing a card, reporting an open account to credit bureaus, then revoking the account ( when I owe XXXX and have paid on time ). Given the Capital One marketing of these secured cards as credit rebuiders, I believe they should re-open the account with the same limit as before ( fully secured by my cash deposit ) and the bank should conduct any background checks or due diligence BEFORE issuing cards, not as they have acted here, claiming that " something '' happened 15 years ago ( but not explaining what that was ). Capital One damaged my credit, falsely advertised its products and failed to follow laws concerning extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?

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 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. Experian and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.

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 2022-02-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a mortgage loan with TD BANK N.A. XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

TD BANK N.A. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MA
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 XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 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 an 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient the Federal Student Aid has informed me that on XX/XX/04 two different FFELP Consolidation loans were took out in my name. One for the amount of {$27000.00}. The other amount for {$22000.00}. Documents of recorded amounts the government loans were is included in this complaint with interest and interest rate. 

I need a copy of the government consolidation loans contracts of {$22000.00} and {$27000.00} that are in my name. 

I tried talking to your representative it has been about 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: ReliaMax Holding Company
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
ReliaMax created obstacles to fair repayment by providing bad information about forbearance and deferment. For ReliaMax, they mean the same thing. See attachment.
Normally, a forbearance is an option if the student is not eligible to postpone payments using a deferment. ReliaMax refused to offer deferment as per terms from XXXX XXXX. Original lender : XXXX XXXX Loan / XXXX XXXX XXXX ( XXXX ) Acquisition by another lender : -- -- a bank in the middle of US. I do n't remember the name.
Original servicer : XXXX XXXX ( XXXX ) servicer 2 : XXXX XXXX XXXX XXXX XXXX servicer 3 : -- -do n't remember -- - it was for short time servicer 4 : XXXX XXXX XXXX XXXX 5 : ReliaMax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with XXXX XXXX to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to Experian on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about XXXX exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.

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 2017-09-28
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Experian credit hard inquiry by : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Inquired on : XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
A few years ago i submitted my information to affirm. On XX/XX/XXXX i tried to open an account snd their system says i already have an account. When i contacted support they said they were unable to update any of my information if i dont remember or have access to my old cell phone number. 

At this point i just want my information deleted from their database. 
I never received a loan and since i cant access the account someone else may have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted Creditor/Agency and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof 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 2021-08-23
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$610.00} XXXXXXXX XXXX XXXX XXXX Balance {$300.00} Inquiries : XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 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 2021-08-23
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:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information directly to Experian according to FCRA, sec605b I have not been able to resolve the issue of the reported items that are fraudulent. I would like an immediate block on all specified items, in my law enforcement statement according to the aforementioned congressional act.

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 2022-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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