BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!

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 2020-06-17
Company: AmeriHome Mortgage Company, LLC
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: Information is missing that should be on the report

Complaint:
Amerihome mortgage states were not current from XX/XX/XXXX to XX/XX/XXXX. When we in fact caught we were making our mortgage payment plus extra to catch it up, caught it up completely in XXXX. They never reported any of that or comment that we were working on it. Then they sold our account to XXXX  and they havent reported that they even have the account or that we've been making out payments and are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Healthcare Finance Direct LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX XXXX who informed me the debt was not theirs but HFD. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to XXXX to verify the debt but the line just rang.

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
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I recently applied and was approved instantly for a chase slate card with what I thought per the offer online was for {$0.00} transfer fee and an introductory 0 % APR. After account approval I did n't see any confirmation that the balance transfers I submitted during the application process were going to be executed. So I called in to ask about the transfers and during that conversation the rep told me there was n't an introductory 0 % APR. I asked him to double check because that was what was advertised and why I applied. He confirmed that there was no introductory rate so I had to cancel the card, which is somewhat frustrating, not only for my wasted time but for the adverse impact this will have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-11-16
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-23
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:
When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : 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 explanation
Consumer complaint received 2015-08-22
Company: Priority Financial Network
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I purchased a home located at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. My loan officer was XXXX XXXX, Branch Manager, NMLS # XXXX with XXXX Mortgage Services. On XXXX/XXXX/15 XXXX provided me with an initial Good Faith Estimate, for an interest rate of 4.375 %, and total settlement charges of {$21000.00}, including a loan origination charge of {$4200.00} and charge points for interest rate chosen totaling {$2600.00} This estimate, as stated on the XXXX page, was good through XXXX/XXXX/2015. Since closing was going to be later, and XXXX was unable to get me the specific interest rate, he sent me a new Good Faith Estimate on XXXX/XXXX/15. This Good Faith Estimate, which was the final GFE sent to me, had an interest rate of 4.625 %, and showed total settlement charges of {$15000.00}, including a loan origination charge of {$1500.00}. This interest rate was good through XXXX/XXXX/15 and the estimate for all other settlement charges through XXXX/XXXX/15. We were scheduled to close XXXX at XXXX a.m. The night of closing XXXX sent me a preliminary HUD with all estimated closing costs. The closing costs were completely different than those listed on the final GFE, including a loan origination charge of {$4200.00} and charge points for the specific rate chosen, totaling {$6800.00}, a difference of {$5200.00} which they said I had to pay or they would withhold closing and I would be out my initial deposit for the house, which was over {$8000.00} and they would not fund my house. As stated on the XXXX page, these are fees that can not change from the final GFE. You will notice on the XXXX page there is a discrepancy. All morning my real estate agent and I were on the phone with both XXXX, and XXXX XXXX, the representative XXXX, trying to get this straightened out. Finally, after over 3 hours or arguing and speaking back and forth with XXXX my real estate agent XXXX XXXX, they took off {$2600.00} from the loan origination fee. They still kept on the charge points totaling {$2600.00}. XXXX threatened saying if we did not close we would be out our money, so we decided to close, but are still very upset that we had to pay the charge points for the specific rate chosen, 1. because we did not get that rate - our rate was 4.625 %, not 4.375 %, which if we were given that rate, would have warranted that additional charge. 2. Because the amount was different than that shown on the final GFE. We are owed that money, and want it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12
Company: Navient Solutions, LLC.
State: OH
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:
I have had issues with Navient off and on for the last 5 years. Recently, I began a XXXX program in a XXXX XXXX where all of my loans entered deferment. I am taking XXXX credits full time and last month I did not owe anything. Now, they are saying that I owe money this month even though my payments are on deferment. I also can not get a job as I am in school all day all week so I do not have time to have a job. XXXX, at the current moment, is my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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 was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice of a collection account added to my credit report in XXXX of XXXX. 
I looked at my credit report to see what it was, as I had not received any notice prior to this. The report was from National Credit Adjusters in the amount of {$340.00}. There had not been any contact via telephone, or written notice prior to this. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. 

I immediately asked for a debt validation from the company. What I received was a bill from XXXX XXXX XXXX. This does not match the listed original creditor. 

I also do not believe this to be a validation of National Credit Adjusters having the legal ability to collect this debt. They provided no proof or documention that they have legal authorization to collect this debt or that the ability to collect has been transferred to NCA from XXXX XXXX. There has been no document with my ( the alleged debtor ) signature or contract with XXXX XXXX. 

On my credit report, where TXXXX XXXX is listed, it states that the debt has been sold to XXXX XXXX XXXX, so I do not now how or why National Credit Adjusters has reported on my credit reports. 

In XXXX of XXXX, I sent another request for validation and again received the copy of a bill from XXXX XXXX On XX/XX/XXXX, which leads me to believe they are not able to show that they are legally authorized to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PLEASE BE ADVISED THAT DESPITE THE NUMEROUS TIMES THIS OFFICE ( XXXX. ) HAS FAXED THE ATTACHED RELEVANT AUTHORIZATIONS FROM THE BORROWER TO THE LENDER AND/OR LOAN SERVICER HEREIN ( I.E. OCWEN LOAN SERVICES ), THEY 'VE NEVER SEEM TO BE ABLE TO FIND OUR ENTITY AS BEING AUTHORIZED TO SPEAK TO THEM ON BEHALF OF THE BORROWER NOR WILL THEY PROVIDE US WITH THE CONTACT INFORMATION CONCERNING THE UNDERLYING LENDER AND/OR INVESTOR SO AS TO CIRCUMVENT THEM ALTOGETHER DUE TO THEIR UNCOOPERATIVE NATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
Sometime in XX/XX/2019 I made the mortgage payment through Carrington 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX report it states I was late in XXXX and XXXX of 2019. I called Carrington about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One offers promotional interest rate cash advances from time to time. Every single statement I've received ( maybe for an entire year ) since accepting a special offer shows 0 % interest rate " SpecialTrans. '' NOTHING ELSE. 

This is extremely misleading as it leaves the consumer thinking it's 0 % forever. No other credit card company hides the date the promotional interest rate ends. Every single company except Capital One clearly states the expiration of the promotional rate on every statement. I don't know why Capital One is trying to hide it, probably so you forget it's not really 0 % forever and are surprised to find out the rate jacked up at some unknown point that the consumer forgot about after all of this time.

Company response to consumer: Closed with explanation