BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have take Kohls credit card and due to not receiving the monthly payments letter and no email notifications I have 60 days late payment negative report on my credit report. This caused issue on my credit file and being a negative remark on my Lenders on my mortgage application Kohls Charge card type Amount : {$150.00} Late payments : XX/XX/21 and XX/XX/21 Request : To see if this report can be disputed and see if negative marks can be removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: EAST WEST BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
According to the mortgage statement dated XX/XX/2022, total balance due was {$190.00}, due on XX/XX/2022. I made a payment of {$190.00} on XX/XX/2022. However, {$190.00} is still due according to the mortgage statement dated XX/XX/2022. Although the loan is paid off, the bank is unwilling to record a deed of reconveyance and release this loan liability.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy CourtXXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.

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 2022-07-14
Company: Siggi LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

OMNI FINANCIAL OF XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please research my credit history. You can see that it was great until XXXX of XXXX. My Mortgage company ( XXXX ) has ruined my credit. Ive argued with them for over 6 months. XXXX management is adamant they are right, and more importantly, I am wrong. I filed a XXXX claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

XXXX, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from XXXX. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. XXXX puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to XXXX. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A XXXX manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, XXXX still has the money. I didnt get the money until XXXX. XXXX management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a XXXX error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: FULTON FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been trying to close my XXXX home loan with Fulton Bank. After my XXXX complaint they sent me a letter which I signed and returned to close it. I wired them {$65.00} for the lien to be taken off the house. I have been asking all week if my account has been closed and the person that responded to my first complaint never responds to my email. I need this account closed and they are preventing me from getting another loan which I think is illegal with how long they are taking and don't even respond. There is some sort of discrimination going on I believe that should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I needed a small loan of {$500.00} and when speaking to the consultant on the phone ( XX/XX/XXXX ) I was very specific about that number despite them trying to push a larger amount on me. She assured me that though I was approved for around 2k, I would only be getting the {$500.00}. Once I looked at the contract ( which I no longer had access to once it was signed by the way ), I saw that they had me set up for 16 payments of {$140.00} which far exceeds what I borrowed and the initial interest discussed ( which I can't recall at the moment but will never be able to confirm since I can't see the contract anymore ). I expressed this concern to the consultant who assured me that I wouldn't be paying that much if that's not what I borrowed and can always pay off my quote early to end it. 

Well, several months and about 1k later, I'm still making payments. I've called twice, the first time when I mentioned I wanted to talk about my payments, the phone operator became very short with me and told me she'd have someone call me back. That never happened. I called again and I got into a small argument with another person who told me that I agreed to keep paying because I didn't pay off what I owed early and that because I didn't, I agreed to have 60 % interest added on every time which is why I'm still paying toward over 2k. That was never mentioned in my first phone call with them and I don't remember that being part of the contract, which, once again, I do not have access to anymore. 

Based on other reviews I've seen about them, they are hands down a predatory lending company and I'm afraid that they are not going to contact me about this like they said they would since that didn't happen the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
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:
After twice writing to XXXX and Equifax asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX XXXX XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and Equifax were suppose to physically verify alleged debts before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: NV
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 reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.

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 2017-09-07
Company: Lockhart, Morris & Montgomery Inc.
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:
After twice writing to XXXX and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named Lockhart Morris and Mont in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and XXXX were suppose to physically verify alleged debts before reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I called and spoke with chase auto fiance Account number XXXX, I explained that I had called and requested a billing extension for one month which was granted ; but do to my health and being in and out of the hospital I would need another 3 month extension, I was told they could not do another extension, however they could change the due date from the XXXX of the month to the XXXX. I was also told that f that payment was not received or was returned that the original due date would revert back to the XXXX. Because I didnt receive any statements after s I was in the hospital. I called back and explained this to an agent, who because I hadnt received the statements informed me because it was a medical emergency do to a XXXX XXXX that she would submit XXXX late fees in the amount of {$30.00} each to be reviewed to be removed. I then spoke with a supervisor, her name was XXXX id XXXX making a payment at chase bank I called back and was told that the fees had not been credited back and the original due date had not been reinstated to the XXXX of the month, I again spoke to another supervisor XXXX after explain the situation to her again, she informed me once I brought my account current that the due date would be changed back to the XXXX of every month and because of the extenuating circumstances that she would approve the credits for the XXXX late fees {$30.00} each for a total of {$90.00} and that I would see the credit on my next statement. Once I got the account current by making a payment at chase bank I called back and spoke with another supervisor who informed me the credits had not been approved despite what I had already promised and the due date had not been changed back. Because I had already spoken with a supervisor, XXXX XXXX on XX/XX/XXXX and had been told the due date would be changed back to the XXXX of the month and that the XXXX late fees of {$30.00} each for a total of {$90.00} I am requesting that chase honor what there supervisor said she would do and credit back the {$90.00} in late fees as well as change the due date back to the XXXX of the month. The agent that had informed he had processed another extension that he had approved so my next payment should be on XXXX XXXX XXXX the agents name was XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. TransUnion and XXXX have the account still open. On the invoice it has the check bad in XXXX of XXXX and it 's been reaged to XXXX XXXX. XXXX, XXXX, and TransUnion have it reaged.

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 2017-09-07
Company: Experian Information Solutions Inc.
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:
After twice writing to Experian and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX and XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought Experian and XXXX were suppose to physically verify alleged debts before reporting.

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 2022-07-14
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 around XXXX I received an email saying my savings account was frozen. I called them almost immediately and resolved this issue. A few hours later, approximately XXXX, I received another email this time saying my savings account was suspended. I reached out again to banking representatives and they said they can not help me with the matter let alone tell me why. They gave me a different number for the fraud department but the issue is the wait time is 3 hours, and once you sit on the phone for 3 hours it automatically drops. Im disappointed that not only can I not get ahold of the fraud department, but I can not access my account and my funds are being held because they are frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief