BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Years ago ( 2006 ) I had a XXXX and XXXX mortgage with Stearns lending. Later my loan was transferred to several different companies ( because of the market crash and Stearns going under/companies experience buyouts etc. ) I eventually got a loan modification with XXXX. I am now with XXXX  and have continually paid my mortgage on time. I am currently in the process of refinancing and when they pulled the title a lien from Stearns lending shows up on the title. The lien was not removed during the loan modification which was through the XXXX  XXXX XXXX program. I have reached out to every company I can ( all except XXXX because they are no longer around ). I can not get anyone to help me remove the lien. The main company who should remove the lien is Stearns lending XXXX or XXXX if they were still around ). Stearns lending told me they would look into it, but now I have heard nothing. This is a mess and is likely going to make it so that I can't refinance the house and will never be able to until the lien is removed. I do not owe the money on the lien because it was absorbed with the loan modification, but everyone wants to point fingers and tell me I need to contact this company or that company. I just want XXXX to do the right things and remove the lien. I tried to contact XXXX XXXX XXXX but basically the program is no more ( its now HOPE or HARP I believe ) so they also said they could not help me to sort it out. I just need someone to please help me with this issue.

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 2021-03-10
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: Was not notified of investigation status or results

Complaint:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & XXXX  as Consumer Disputes per the FCRA which its not and is a violation. XXXX has already removed the account for violations but yet XXXX somehow keeps finding it verified when XXXX  could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for TransUnion as well for violations. If not settled I will take to court to collect for damages for violations from XXXX  & TransUnion

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 2015-11-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am so sorry, I just want to add to this case number. I pulled the Experian Report and I have XXXX accounts that should be deleted1- if you look at the first page, you can see Experian has documented the Bankruptcy filing on XXXX/XXXX/XXXX, OK2- The XXXX card from their own payment ledger that the last payment received was XXXX XXXX, its well over 7 years old, really XXXX and half XXXX. This needs to be deleted3- the XXXX account, I attached previously the XXXX report but reattached, they have it marked for removal XXXX, the Experian report shows the XXXX filed in a bankruptcy filing XXXX of XXXX??? they just make up dates, the only BK filing on the record is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I handled whatever debt via modifications that included all loans years ago. XXXX XXXX XXXX is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in 2012 I filed a complaint XXXX with the FTC against XXXX XXXX XXXX to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to XXXX XXXX XXXX as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.

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 2015-09-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon reviewing my credit report online, after there was a fraud alert issued on my debit card XX/XX/XXXX, there were questions from Experian and XXXX Credit Reporting Agency that said that I applied for a mortgage loan in XX/XX/XXXX ( lender not listed ) and that I owned a retail credit card. Neither of which is true. I was living in an apartment at that time and feel that my identity information may have been used by someone else. I would like to dispute these listings from both Experian and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
remove the fcra violations see ftc attachments

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 2016-03-12
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are accounts in my credit report that do not belong to me and Experian is n't responding to my requests to investigate and remove them 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 explanation
Consumer complaint received 2021-03-11
Company: AMA Advisors, 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:
Home Bridge Financial Services Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020 is impacting my credit and am unable to obtain needed credit. 

XXXX***I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Account status incorrect

Complaint:
This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: KS
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 account has been resolved and has a - $ XXXX- balance. It has been paid off with XXXX Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with 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 2016-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We have cleared all accounts with XXXX XXXX and received satisfactory report from creditor, then we have been requesting XXXX and Experian to remove the unverified collection from my report they have not done and we did not get any more respond from them since XX/XX/2015

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 2017-04-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to 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 2021-03-11
Company: EQUIFAX, 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:
Account with XXXX XXXX reporting. Ive informed equifax I was Victim of theft and account doesnt belong to me. I received a letter from XXXX XXXXl that indicates they would delete account. Ive also attached a copy of letter from equifax saying this account isnt report. But account IS STILL REPORTING. Ive attached copies of the letters for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a follow up from a complaint against US Bank from XXXX XXXX, 2016. I went in to the local office on XXXX XXXX, 2016 to close the account. I spoke with the Vice President XXXX XXXX. XXXX XXXX had no idea how to close the account and spent 90 minutes on the phone with her corporate office to try and figure it out. She stated a check would be cut to me that day and mailed. Today is XXXX XXXX, 2016 and I have not received a check. She has not responded to an email on XXXX XXXX, 2016 or a phone call today.

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 2016-07-29
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I disputed the balance on account number XXXX from your company American Honda Finance your company updated a new balance XXXX. Please provide me with a full account Ledge for how you came up with the figures you updated to my credit report.The information that you are reporting is inaccurate. I have previously requested for your company to remove the account XXXX from all collection activity include reporting inaccurate information.Please provide a full ledge of reporting that your company has reported to all XXXX Credit Bureaus. I am Requesting this information to verify that your company is providing correct information to the Credit Bureaus.I am reviewing different balances being reported under each credit Bureau. I am forced to File A Complaint with the FTC AND TX ATTORNEY GENERAL. If this matter is not resolved. Again Requesting DELETION of account XXXX from all XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for auto-pay on my credit card on XX/XX/21 and the card company said the first auto-pay would be processed on XX/XX/21, the due date of my most recent bill. On XX/XX/21 my payment was not processed and the card company charged me a late fee and interest. Once I noticed the auto-pay was not processed I immediately made my payment manually. I've asked them to credit the fee and interest back to my card but they have refused. I should not be liable for additional fees just because they're auto-pay feature does not work correctly. This is also the second time I singed up for auto-pay with them. Neither time they have taken the payment on the correct date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've tried several times to contact XXXX XXXX XXXX  to update my credit score due to it being the same for the past 2 months. My score is completely inaccurate on there site. XXXX XXXX has blocked me on XXXX so they didn't have to deal with it. I've called them and they said it's been updated and again I'm stating it hasn't been updated. My score has gone up on a monthly basis and it's always wrong.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXXXXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXXXXXX XXXX wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX XXXX XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

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 2016-09-06
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This company states they placed my debt for collections on XXXX/XXXX/16 and I have never received anything from this company regarding correspondence. No phone call, letter or etc and debt is now on my credit report. I also have proof that this company was not added to my credit report until recently not XXXX/XXXX/16.

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 2015-12-30
Company: Paypal Holdings, Inc
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal misled me into receiving a line of credit. I have used them as a money transfer service for years and when I signed in and had to update information I was sent through a series of steps that resulted in me getting a line of credit. I called them immediately and told them I did not want the line of credit and that I was put in a situation where going through the steps forced it. They said there was nothing they could do about it and I have to have the line of credit. It still goes unused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: DE
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:
Hello I Submitted 3 credit report error disputes on XX/XX/2021 to XXXX, exquifax & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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 called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.

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 2016-07-10
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a CitiGold account in XXXX 2016 with my eligible promotion code to receive XXXX XXXX miles upon meeting the requirements. I got a verbal confirmation over the phone and written confirmation that the code was attached and applied to my opened account. Once I met the requirements, I called and asked for confirmation of meeting the requirements. However, upon this request, I was informed that I was not eligible for this promotion because I was not targeted. However, the promotion code should not have been applied to my account if I was not eligible, and this eligibility was confirmed upon opening the account. I have been back and forth through Secure Message and over the phone with customer service to resolve this issue for the past month and a half. They ask for physical confirmation of my targeted statement, which I did not keep since I had been confirmed upon opening my account that I was eligible. Since then, I have been charged a monthly service fee and continue to be denied my rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I notified TransUnion about inaccurate information on my credit report. To date, now 45+ days, they have failed to send me any notification about the status of my requests to verify and/or remove the inaccurate information.

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 2021-03-11
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in XXXX and that company sold my loan to AmeriHome Mortgage. The beginning of XXXX I noticed they did not make note on my first bill that a XXXX payment was made to the original company for {$2100.00}. It showed {$100.00} and nothing to my escrow account. I called then and sent proof of payment. In XXXX, I received an escrow analysis showing I was short {$750.00}. I just refinanced and I doubt within one month my escrow is short. Funny the amount I am short is about {$6.00} difference than what the XXXX amount should have been. I have spent at least 4.5 hours trying to rectify this but they do not return calls or follow through when I ask them to look into this. I am beyond frustrated with this company and I had no choice with who bought my loan. They said there records show a return call on XXXX but no message was left or another call attempted. They return calls in 24 hours and that was my return call from XXXX, way past 24 hours.

Company response to consumer: Closed with explanation