BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Supreme Lending
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wish to file a complaint regarding deceptive practices done by XXXX XXXX of Supreme Lending. 

First, I was told I was not able to ask for forbearance on a property. Then I was lied to by XXXX. I have a property that had a fire and was recommended that I do a short sale. The property investor was XXXX XXXX. I provided all the required documentation to the lender. XXXX said that XXXX XXXX required another inspector to view the property and that he had to process paperwork thru you. He was stalling the process because he knew that the loan was going to be sold to another service provider. I was assured by XXXX that he would work with the new lender to finalize the sale. I emailed and called him daily from XX/XX/XXXX thru the XXXX knowing that the contract deadline was XX/XX/XXXX. He ignored all my attempts to contact him. On XX/XX/XXXX, I called the new provider. They told me that they had no knowledge about any of this and that the only documentation send was from XXXX. I called XXXX numerous times and emailed, which were ignored. I called the main line for Supreme Lending. 

While talking to a service rep, who was in contact with XXXX, I saw on my phone that my number was being blocked from further communications. Then they hung up on me. I tried to call Supreme again but after a few moments, the system disconnected me. 

On XX/XX/22, I filed a complaint with XXXX XXXX XXXX XXXX regarding the deceiptful tactics. Today XX/XX/22, I get an email from XXXX that he sent the files over today and to work with the new lender. Since XXXX sent the paperwork over today, he basically sat on my paperwork for a month doing nothing. XXXX XXXX continuously lied, stating that paperwork was held up by XXXX XXXX. He inconvenienced myself, my realtor and buyer with all this deceitful stalling just so he could push the loan off onto another lender. And, by the way it took 20 months of working with him to get to the point where I could attempt to sell. 

The first email is a thread showing us working toward providing XXXX with all requested forms. 

He was supposedly working with the new service provider to ensure the sale of the property, yet the email I received from him XX/XX/22 states he was sending over the packet today. I called the new provider and they had no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I opened a bank account and I got a hard inquiry on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion has not updated all my accounts,  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /   17  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX   XXXX   XXXX   CFPB :  XXXX  Report  XXXX , dated   XXXX   XXXX   XXXX  , fails to list my full-time employment,   XXXX   with the   XXXX   XXXX   XXXX    XXXX   Regional Office , since  XXXX , with the   XXXX   XXXX   XXXX  , my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my government employments added. I want true copies of the  Source  Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement  ( NMS ) an d the Independent Foreclosure  Review ( IFR ) becau se  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging me LIBOR, forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CARD Corporation
State: PA
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:
Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center yesterday on the XX/XX/20. Y'all agents told me y'all never got it, and I would need to make a new dispute, and they never send me the dispute letter to my email today, and I am still waiting for it, and I need to dispute {$25.00} XXXX  XXXX XXXX  for cancellation services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX Date of Inquiry : XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
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 information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 Balance : {$590.00}, XXXX XXXX Balance : {$980.00}XXXX XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "

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 explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!

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 2016-09-29
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This people keep calling me and harassing 3 to 5 times with different numbers, talking rudely and extremely irrespecutful and in a harassing way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient locks you out of your account after only three tries when you make an error in typing in your info, but you have no idea which error you made. 

That might not be so bad except you ca n't unlock your account unless you call them during business hours mon-fri But working people ca n't take time to spend a half hour on the phone with them during m-f business hours. 

Why ca n't you even call them on a Saturday?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF THE WEST
State: AZ
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:
Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance. 

Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. 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 2017-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One approved for a small line of credit. Requested proof of identify. I sent a copy of my license and lease after verifying that I was able to verbally verify my ss number. 4 days later, I was told after I called back that they needed more information. They stated several times that this was standard for new accounts. I get a letter at my previous address, where my mom resides, that says it was due to information not matching at the credit bureau. I then, get my ssn card directly from the administration office and send it over with a copy of my water bill because my lease wasnt enough proof of identity. At this point, they said the id was too blurry and said no it was too dark. Later, we determine nothing wrong with the ssn card sent, but they needed to see a full bill not just the part containing my info because the water company was closed and could not verify the address. I send a full bill and qas disconnected from the phone. At this point, I call back to find that the full bill is not good enough. The delay and repeated phone calls while collecting my information is high unethical. I am also pretty sure they were sending it to some foreign country where they outsourced a call center. No one can verify anything and a manager could not be reached. I spent hours on the phone even though it was an online application and I verified all my info and more. There are some weird practices going on and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My middle name begins with a " M ''. I have never, nor will ever, substitute that with another letter. For example, " W ''. I have never used a " W '' for the first letter of my middle name. Any transaction history using " W '' as the first letter of my middle name is not to be associated with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. TransUnion is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and XXXX  is reporting XX/XX/2015. This is not good for my credit report worthiness.

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 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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

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 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Bank of America using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.

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 monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the 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 which do not belong to me or were opened without my permission. 

" XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX  XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$470.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} " 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