BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On the week of XXXX XXXX, 2021, I called Planet Home Lending LLC to resume my mortgage payments which had been deferred for XXXX months. The representative was unable to tell me what my new adjusted payment would be, but recommended that I pay the original monthly amount of {$1100.00} in order to prevent a late fee while the underwriting department calculated my new payment. I did as I was advised by the representative. 

Approximately a XXXX later I received paperwork to resume payments. When I got the paperwork I called Planet Home Lending for an explanation of the contract they wanted me to sign. During this phone call it was explained to me that the payment made a month earlier was not going to be applied to my new payment schedule as I was led to believe. The amount went towards the outstanding deferment amount, which is not how it was explained to me at the time. After much discussion, I was explicitly told that the paperwork would be revised and that my payment made in XXXX would be applied to my XXXX payment of my new payment schedule. 

Now, XXXX months and countless phone calls later, they have changed their story and are saying that they never said they would revise the paperwork despite the phone calls being recorded. I would like to take them to court so I can subpoena the phone call recording but due to their blatant lies and manipulation I do not have the liquidity necessary to hire an attorney. 

It may also be worth mentioning that this is not the first time the have acted deceptively regarding my mortgage. They have a long track record of exploiting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Spring Equity LLC
State: NC
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:
UCS/Spring EQ LLC ran my credit/Performed a hard credit inquiry on XXXX. I was in communication with this lender asking for loan rates. During our communication, they indicated that they will only perform a soft pull and it will not have any impact on my credit score. Yet, they ran a credit with any explicit authorization or me starting/submitting a loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: MORGAN STANLEY & CO. LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an XXXXXXXX XXXX debit card and it was place on hold because XXXX  XXXX XXXX repot me too early warning when XXXX  XXXX XXXX agreed too removing the file XXXX from XXXX  XXXX XXXX said theyll remove it and its still on there so please remove this file from early warning

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Io, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )

Company response to consumer: Closed
Consumer complaint received 2021-11-24
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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 non-monetary relief
Consumer complaint received 2015-06-04
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
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:
There are some negatives items in my credit report and dont belong to me JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CrossCountry Mortgage LLC
State: AZ
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company has filled to delete fraudulent information off of my credit report. Fair Credit Reporting Act, which details your responsibility to block and DELETE fraudulent information on my credit report resulting from identity theft. i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 2016-12-20
Company: DISCOVER BANK
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Discover Bank had frozen all my accounts on XX/XX/2016. I understand that the bank could have legitimate reason to freeze accounts, but it has also a duty to notify an account holder. It has not been done timely in my case. I was unable to use my accounts until XX/XX/2016, because the department who placed a hold on my accounts was closed over the weekend. What was most appalling about the way the situation was handled that while on XX/XX/2016, the bank representative was apologetic for not notifying me, on XX/XX/2016, the bank representatives, one after another, changed their tune and started telling me that they had called me to let me know that my accounts are being frozen. I spoke with XXXX, then with XXXX ( ID # XXXX ), and finally with Discover Bank supervisor XXXX ( ID # XXXX ). I asked XXXX to document my complaint. XXXX claimed that she has filed a complaint on my behalf and gave me conformation # XXXX. Further, XXXX stated that she will be investigating my complaint and will credit {$50.00} to my account ending in XXXX if she finds that Discover Bank has failed to notify me by calling my phone number ending in XXXX. My phone registers all incoming calls, there is no record of calls made by Discover Bank. XXXX made a promise on behalf on the Discover bank and such bilateral promise is legally binding and enforceable in a court of law. I want Discover bank to live up to its promise and credit {$50.00} to my account ending in XXXX for inconvenience and havoc the bank caused by failing to timely notify me about its adverse action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: Professional Placement Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX  years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX  card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to use my XXXX card to make the charge. The incompetent employee of course completely missed all the points of my complaint starting with the fact that I should not have had to switch credit cards and should be allowed to use whichever one I want especially since I pay my balance in full, on time every month even when navy federal says my minimum payment is only {$20.00} or {$0.00} I still pay the balance in full and I am nowhere near my credit limit!!!! There was also no explanation as to why my XXXX card would suddenly require an authorization code for a charge that had already been recurring for 48 months!!!!! Navy federal doesn't seem to care about how embarrassing it is to have a perfectly valid credit card be declined for a legitimate recurring charge!!!! COMPLETELY UNACCEPTABLE!!! This is also my only phone service and my only means of communication and I was about to lose my phone access because of navy federal 's complete incompetence. I also asked in the email for confirmation that nothing like this would ever happen again but the completely incompetent employees refused to provide such confirmation. Even when I do EVERYTHING right and pay my credit card bills on time and in full, navy federal still manages to find a way to completely XXXX me over without any regard to my rights!!!! I need to speak to someone with a first and last name who will sincerely apologize for the problem ( although I probably won't believe them ), explain why navy federal denied the legitimate charge, what is being done to prevent this from ever happening again, and explain why navy federal is continuously looking for ways to XXXX me over and make my life XXXX unnecessarily!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a home, and subsequent to my move out inspection, which was signed and dated by me, I was sent a different fabricated move out inspection form which was inaccurate and had on it whatever the company decided to add. I then was sent a deposit reconciliation form with inaccurate and inflated charges. To which, I repeatedly wrote to them, sending them pictures of the preexisting condition of the home. They have since responded by not reading the documentation I submit and reassigning me to a new property manager after the end of my lease. Asking or requiring me to resubmit all the documentation I had already submitted to the property manager who was in charge at the termination of my lease and who did the final inspection with me. They have ignored my emails and unilaterally sent my file to debt collection. Who in turn calls me and states to me that they will be sending me written correspondence to my office in Florida, however the documentation never arrived and there was a collection added to my credit account shortly thereafter. In addition to the pictures and email of the pre existing conditions of the home. I also have multiple witnesses who assisted me during my move out to clean and replace items that needed the same. Its quite clear that some of the things they are trying to collect from me for are fraudulent and or exorbitant and I have proof in pictures, witnesses, along with discrepancies in where the property management contradicts it 's self in its own documentation. They have kept my deposit and have fabricated damage that doesnt exist and or was preexisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
Hi On XXXX/XXXX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly

Company response to consumer: Closed with explanation