BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2021-12-20
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired Lexington Law who took {$130.00} a month to repair my credit. Upon hiring them th4ey have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-04-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, 2020 Navient tried twice to take a total of {$35000.00} out of my checking account ( in increments of {$5000.00}, {$10000.00}, {$10000.00}, {$10000.00} ) each time. XXXX  XXXX XXXX returned the items each time for insufficient funds and charged me with a total of XXXX NSF fees of {$35.00} each ( which XXXX  reimbursed me for when I explained what happened ). I had made an agreement with XXXX XXXX and XXXX XXXX with Navient ( who I received a letter from stating our agreement and have attached with this document ) to settle my sons ( XXXX XXXX ) private loan debt of {$82000.00} for {$35000.00}. It all depended on me getting a home equity loan - which is still in process and will most likely close later next week Ive been told by XXXX. XXXX requested my account information to do the payment with electronic funds transfer. He stated it had to be done that way, He said he set it up to come out of my account XXXX. XXXX ( because we began this process mid XXXX and he said he had to use that date but could extend the agreement if the home equity loan hadnt gone through yet ). I kept him updated on a regular basis and called him on XX/XX/XXXX and told him it would take a little longer for the loan to go through and to not try to take out the funds. He said ok. But as stated above, Navient tried twice, even after calling XXXX about the first time they took out the {$35000.00}. He apologized and said it was a mistake and told me it wouldnt happen again - but it did. XXXX  XXXX XXXX has blocked Navient from withdrawing any more money from my account. When I close on the home equity loan, I will send them a check instead for the agreed payoff amount. I definitely dont trust them and am shocked they are still allowed to be in the educational loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to do a short sale on my home and the bank has come back with a valuation that is totally inadequate. No one came to my home to do an interior valuation. The bank only sent someone to do a drive by valuation. At this time my home has electrical issues and there is some semblance of mold in the basement. I have asked the lender to postpone the foreclosure sale to do a proper valuation and they are being unreasonable in their handling in this situation. I am desperate for some help/assistance.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXXXXXX )

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 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have filed a police report also reported this with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX XXXX  account. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
In XX/XX/2019 I applied for an auto loan with Fifth Third Bank. I told the agent all the information about the van specially it's a salvage title. And then they still pulled my credit report and denied the loan because it's a salvage title. So that effected bad on my credit report. I tried to talk to the agent whom did the loan and they said they can not do anything about that. So my question still is " is it right to pulled my credit report when they known that will be denied ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a single parent XXXX income family of XXXX to include XXXX children. Back on XXXX of XXXX I requested help or assistance from Chase Bank. Due to the troubled economy I was forced to work as a substitute teacher in the state of Florida and county of XXXX. In XXXX county their substitute teachers work through a staffing agency/temporary agent. Over the summer months and off days due to holidays or XXXX days. I can apply for unemployment. Therefore, I was underemployed/unemployed due to low wages and the XXXX being shut down due to holiday and breaks. However I was approved for a unemployment loan forbearance on XXXX/XXXX/XXXX for a lower mortgage payment of {$450.00}. with a balance of XXXX accruing every month that was left unpaid. Though if I was approved for a government program how come they did not pay the difference? At the end of the program dated XXXX/XXXX/XXXX, I am still underemployed/unemployed even though I applied for jobs the entire time. I asked Chase Bank for an extension, so I reapplied and asked for help or a workout with my mortgage. I have just got word back from Chase Bank on XXXX/XXXX/XXXX stating that I am 15 months ( {$15000.00} ) behind on my mortgage and they can not offer me anything type of help other than a short sale. Now for 12 months I made a total of {$5400.00} in reduced payments, how can I be behind over {$15.00} and why or how come the {$5400.00} has not been applied to my loan. Why they can not help me, but allow someone to buy my home for an extremely low price, then put me and my children out onto the streets after for over a year I have worked and took calls from their CSA named XXXX XXXX XXXX XXXX and made my payments on time to show stability so that I can stay in my home. 
In addition I supplied them with income or wages and I was told that they could use those funds along with child support and I have recently learned that they can not use the income. Why? Does it matter if I was working for a temporary agency? I was told by XXXX XXXX that it did not matter. Only to make it known to you that they did not use the income and offered to me to sale my home as a short sale. This particular issue is related to a loan workout due to being unemployed and regaining a job to show permanency. I was placed on a government program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2016-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other

Complaint:
The Sychrony issued excessive credit to me through Walmart, and Amazon. Now, I 'm learning that i 'm over extended and unable to repay this creditor for XXXX seemingly different accounts.

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 2016-04-05
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by Shellpoint Mortgage Servicing in XXXX XXXX. At that point an " Escrow Analysis '' was done on my property, showing an Escrow Shortage of {$630.00}. The Escrow analysis stated that my payments, once the shortage was paid in full, would be {$1200.00}. Along with our mortgage payment, We sent Shellpoint XXXX separate checks from XXXX XXXX to XXXX XXXX in the amount of {$100.00}, to pay the escrow shortage. The checks were clearly marked in the memo as payment for escrow shortage, further identified on the payment voucher in the line item " extra escrow payment ''. 
Shellpoint did not apply the separate checks to Escrow shortage, instead misappropriating the funds to principal. Shellpoint is now requesting an additional {$400.00}. to " clear up the Escrow shortage '', and currently reporting to the credit bureau that we are 2 months late on our mortgage. 
We have paid our mortgage, and our shortage, and are now being subjected to false credit reporting because of inappropriate accounting practices. I have been denied prime lending rates on XXXX loans because of this false reporting. I am also receiving daily phone calls from the company attempting to collect a " debt '' owed to them. Acting upon advice from legal consul, I have sent Shellpoint a " Qualified Written Request, Billing Error Notice '' to dispute the claims. This letter was sent, Certified Mail through USPS, on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. 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 explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey  have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Unfortunately I fell behind on my payments to Astoria Federal Savings overdraft line of credit in XX/XX/XXXX. Astoria Federal reported this account as charged off in XX/XX/XXXX and XX/XX/XXXX. I paid the principal and interest on this account in full in XX/XX/XXXX. The account was closed and no further advances were ever made. 

FCRA 623 ( a ) ( 2 ) requires any party who has furnished information to a CRA to promptly update that reporting as necessary to maintain its current accuracy. Astoria Federal was thus required to update their credit reporting to keep it current and accurate. Astoria Federal failed to update the account status from " Charge-off '' to " Paid charge-off '', and omitted my payments from the reported account history. THIS CONSTITUTES A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

( Astoria Federal did update the balance to zero at the time the account was paid. However this is not equivalent to reporting the account as paid as there are many reasons a charged off account could report a zero balance, such as the debt being sold to a collection agency. And besides the balance, Astoria Federal persisted in reporting the account status and account history inaccurately. ) I attempted to obtain relief innumerable times by disputing this matter via the credit bureaus ; and while this should be an open-and-shut case Astoria has never corrected its reporting. ASTORIA 'S FAILURE TO CONDUCT A REASONABLE INVESTIGATION TO CORRECT THIS ERROR CONSTITUTES A SECOND VIOLATION OF THE FCRA. 

Furthermore, Astoria 's reaction to the disputes has been to falsely report the account history to show that a default occurred at the time of the dispute, i.e., approximately FOUR YEARS after the account was paid and closed, in XX/XX/XXXX and XX/XX/XXXX ( see the attached credit report info ). THESE FALSE DATA CONSTITUTE A FURTHER, EGREGIOUS VIOLATION OF THE FCRA. 

Possibly, Astoria Federal 's erratic credit reporting is due to technical incompetency rather than actual malice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: The CMI Group, Inc.
State: TN
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 pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately. 

XXXX Date of inquiry : XX/XX/2021

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