BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not open a credit card with CapitalOne, I have had identity theft. I have tried to call them numerous times to discuss and submit police and FTC reports but they refuse. They refuse because I can not verify the account because it's not mine. So they refuse to speak to me, but yet hold try to hold me liable. They say its my account but wont tell me anything. IT IS NOT MY ACCOUNT SO THEY SHOULD CLOSE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: U.S. BANCORP
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I engaged USBank ( primary mortgage holder ) about getting a HELOC on my primary residence. 

They made the process very easy to do electronically. 

Whenever trying to access the money they put a limiit on how much is accessible ( only 5 % ). They claim I have to go to a local branch but there are no local branches. 

After the second time of being unable to access funds at time of need I told the rep I was going to move to another bank and they agreed that would be best and term fees could be waived. 

After a 20 min call on XX/XX/2022 at XXXX the CSR transferred me to a loan officer who said i have to go to a branch for a fee to be waived.

I feel these practices of making things easily when in their favor but difficult in my favor are unethical.

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 2020-06-22
Company: Prosper Marketplace, Inc.
State: IL
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:
( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from Prosper ) I applied for a loan on XX/XX/2020 on the Proper Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " XXXX ''  may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " Prosper Advocate '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.

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 2022-07-20
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX Balance : {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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:
My name is XXXX XXXX. I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I was falling behind on my XXXX XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XXXX XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.

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 2018-08-07
Company: EQUIFAX, 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:
XXXX XXXX Bank has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: RoundPoint Mortgage Servicing LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' **Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. ** Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. 
Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. 
Opened dispute with their tax dept on XXXX at time of providing the XXXX form. 
Have received no response.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

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 2021-03-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( XXXX, Equifax - XX/XX/2021, and XXXX XXXX XXXXXX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$90.00} ; XXXXXXXX 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 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

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I may have been compromised due to the equifax hack. I am taking steps to prevent harm towards my account and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe Mr. Cooper ( Nationstar ) is harassing me via ordering excessive and unnecessary " inspections '' in addition to falsely reporting my home to be " abandoned '' to my homeowners insurance provider. They then tack on fees for each " inspection '' so that I have a backlog of unpaid fees I was unaware of. Now they've started adding it to my monthly mortgage payment. They've had my home " inspected '' approximately 20 times in approximately 2 years. Sometimes twice in the same month. This goes against every standard practice I can find online as I'm never behind more than 90 days and it's never more than 30 days between full payment is sent. I believe they falsely reported my home to be " abandoned '' because standard practice is that if the " inspector '' believes the home is abandoned the next step is to do an internal inspection. I have cameras outside my home and I've never seen anyone pull their vehicle into my driveway nor have I seen anyone walk onto my property ( aside from XXXX, XXXX, and USPS making delivery ). It stands to reason that the inspector did not truly believe my home to be abandoned because he/she never did an internal inspection, which is the next step after a drive-by inspection for a presumably abandoned home. Either the inspector doesn't exist and I'm being charged false fees or the inspector exists and is a fraudulent inspector who is getting kickbacks for falsifying reports.

Company response to consumer: Closed with explanation