BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-03-31
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within two ( 2 ) days from XX/XX/XXXX-XX/XX/2020 I have received three ( 3 ) telephone calls from Discover Card demanding payment of the monthly bill. In addition, within one ( 1 ) week I have received numbers emails demanding said payment. 

This despite my two ( 2 ) letters to Chairman of the Board and President XXXX in which I stated that because of the coronavirus I am unable at this time to make payments. 

This too in addition to complaints against Discover Card I have filed with the Consumer Financial Protection Bureau. 

Apparently Mr. XXXX and Discover Card have never heard of the coronavirus pandemic and the inability of tens of millions of Americans because of the coronavirus to pay their bills! 

Mr. XXXX are being unpatriotic and un-American! And it is a disgrace and an outrage!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
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  Credit reporting agency is reporting that I owe {$170000.00} for Carrington Mortgage. The balance that XXXX  is reporting is incorrect. The balance for Carrington Mortgage should be reflecting {$93000.00}. Please investigate XXXX  for reporting the wrong credit information for Carrington Mortgage. Please update my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : XXXX Thank you in advance for helping me get these removed from my credit 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 2020-03-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, in XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX XXXX  real = XXXX USD. I used Citi credit card to pay for the 30 minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.

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 2015-11-28
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Account information incorrect

Complaint:
To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on two occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my Experian credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm recently divorced I 've been requesting a mortgage modification with the mortgage company Select Port Folio. they are in the process of reviewing the mortgage for the modification. I received a property foreclosure notice for XX/XX/2016 while my loan is under review..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: NJ
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:
There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CO
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:
On or around XX/XX/2022, I called the fraud department of XXXX, XXXX and Experian to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.

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 2022-09-09
Company: EQUIFAX, INC.
State: CO
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:
On or around XX/XX/2022, I called the fraud department of XXXX, Equifax and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. 

I had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX   promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a co-worker tell me about refinancing my home with Quicken Loans ... I called the company to ask what they could do for me etc ... I gave them all the info they need reguarding my home etc ... the guy pulled my credit score which was XXXX he said, he could combine my mortgage and debt i had and save me about {$260.00} a month and that I could write off mortgage than my debt every year and save me money ... they sent out an appraiser etc. I lost {$500.00} of my money now ... since we were trying to get a loan for about {$180000.00} and house appraised for refi only, he gave me $ XXXX, he was maybe at my house XXXX min .... my Realator said, he low balled the amount, min. should 've been $ XXXX as high as $ XXXX ... Not only have I lost my {$500.00}, but I felt mislead ... So upset over the whole thing, I was just trying to consilidate. I had some equity already when I purchased the house 2 years ago this month.. 

thank u, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for refi on day one. Told a fixed interest rate and that was best they could do. Told process was XXXX.!!! If process continued to appraisal, would cost XXXX if I cancel after that charge occures.Day two I call my original broker, get much better offer.Day three I call and am told they had me sign a variable rate contract by mistake but that they would send correction to sign. NO! No mistakes should have been made. I got a much better offer. Stop everything! Cancel my application and forget I called. I do n't trust you. Then his supervisor called. I repeated everything. He said they might could match the interest but it would be a week or two to go to committe. I told him I already had a locked rate somewhere else STOP EVERYTHING. This was day three. A week later they charged me {$500.00} dollars saying the loan officers were proceding with the loan. I do n't know what it takes with these people, but they obviosley purposfully vindictively continued to charrge my account because I cancelled.I never got a call for an appraisal they supposidly charged me for. When I contacted them today XXXX said she was personally do me a BIG FAVOR. She would try and return the money as they LEGALLY have to. I do n't believe it. HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I monitor my credit report through XXXX XXXX and I receive an alert if there is a change indicated on my credit report. On XXXX/XXXX/XXXX a company named XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX placd a collection onto my report XXXX XXXX XXXX in which has been sold to several different companies and also previously removed from my report on the following dates, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: MD
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:
Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, XXXX  and Experian ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : Experian : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.

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 2022-09-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I have spent over {$30000.00} on the XXXX XXXX card in the last 6 months and currently have a {$0.00} balance according to their app. I made payments of {$1700.00} and {$290.00} on XXXX & XXXX and those payments have cleared my bank account. The bank is holding my money and not releasing it ( making interest at consumers expense ). They released my last payment of {$1200.00} on XXXX. I am a great customer and they are not releasing credit back to the card - keeping my payments XXXX. It is unethical and at the expense of it's customers. I should be commended for being a great customer and yet I get this poor service. 

I would reconsider using this card if you value service. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FIFTH THIRD BANK has violated my Right to credit, pursuant to 15 USC 1602 ( F ). Will FIFTH THIRD BANK reverse the adverse decision dated for XX/XX/2022?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. Thank you.

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 2017-12-15
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation