BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I've had two accounts with XXXX  card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, XXXX, and equifax credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, TransUnion, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bankruptcy discharged 2 years ago and trying to get GreenTree/Ditech to remove from bankruptcy department and correctly report to credit bureau. Working on this since XXXX 2015. No call backs from supervisors. Nothing but excuses. Call every week for resolution to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do syncb/paypal ( bank ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX i have a letter for my XXXX XXXX  bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois 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 2020-06-11
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:
I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.

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: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced the loan on my home back in XXXX 2012. At that time XXXX XXXX was my loan servicing company who had the practice of applying any amounts over my fixed loan payment to principal. Later, the loan was sold to XXXX XXXX XXXX where the same procedure was followed. Recently, my loan has been sold again to Ditech. I received my first statement which includes the following language in the transaction activity section : " Any partial payments that you make are not applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' As I understand it, the excess payments I send in will not be applied to the principal of my loan and therefore I will be paying interest on a partial principal that the loan servicing company refuses to post to the account. This appears to be a change in how excess payments to principal are handled and is injurious to the consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I called capital one credit multiple times with regards to inaccuracies in their running balance on my card. I paid something like XXXX for about XXXX in purchases, one of my payments didnt even appear in their system but the balance changed. This has happened to me prior back in 2009, same issue same company. They have a bad system somewhere and are pretty much just stealing from people. Ive called 3 times since XXXX and the issue still persists.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19
Company: Professional Finance Company, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dental work completed at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX in XX/XX/2019. Was unable to complete payment, leaving a balance owed of approx {$600.00}. In XXXX of 2019, the dental office submitted the debt to Professional Finance Co, XXXX XXXX XXXXXXXX, XXXX, Co XXXX, now in the amount {$800.00}. My finances improved, and I contacted the Dental office, and settled my debt in the amount of {$600.00} directly with them. The only contact from Professional Finance Co has been thru my credit reports, as I have disputed the amount now on three different disputes, and each one has been " confirmed '' by Professional Finance Co, and they are reporting a balance due of {$200.00}. I have asked them for original documentation for the original amount due ( {$800.00} ), and for the remaining amount due of {$200.00}. No reply to date. I feel i do not owe the addition amount due, and the report should be removed from my credit reports at all three reporting agencies. Advise XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Greentree in XX/XX/XXXX. They informed me in XX/XX/XXXX/XX/XX/XXXX that my escrow account has a " shortage '' of {$480.00}, and they will deduct an additional {$40.00} each month for 12 months beginning in XX/XX/XXXX to make up this shortage. I have paid all mortgage payments on time and in full. My taxes have decreased and while I changed my homeowner 's insurance company, there was no significant change in my premium. I have called Greentree multiple times and mailed them a letter ( certified mail, they received it XX/XX/XXXX ) asking them to tell me specifically WHEN my escrow account went into a shortage and HOW much. They have sent me XXXX letters ( XXXX XXXX, XXXX XXXX and XX/XX/XXXX ), none of which answer the question of WHEN my escrow account went into shortage and HOW much. The XXXX letters from XXXX tell me they are still reviewing my request. I told them I spent five years in the mortgage business so I know how an escrow account works ( you put money in each month, they pay your property taxes and insurance - simple ). 
I object to Greentree telling me I owe {$480.00} without them being able to tell me how and when my escrow account went into a " shortage ''. All my payments were made in full and on time, so all my contributions to escrow are the correct amount and current. My escrow deductions for taxes and property insurance have decreased or stayed approximately the same. It is not mathematically possible for me to be in a " shortage '' in my escrow account. 
I view this charge of {$480.00} as an unjustified fee which Greentree can not show I am contractually obligated to pay. They have failed, repeatedly, to prove that I owe this money. Now they are taking this money each month from my bank account without my permission ( I told them verbally and in writing that I do not consent to having this money deducted from my bank account and that I do not owe this debt ). 
Finally - all payments were made on time and in full. My account is and has always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.

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 2016-02-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
Upon checking on my Experian credit report, XXXX XXXX XXXX is reporting me as having a late payment for XX/XX/2021, which as per the supporting documentation included with this complaint, I was not late and XXXX XXXX XXXX agreed to remove the error from all credit reporting agencies. Also, they are showing that I owe a balance, which I do not. And finally that the account is currently open, which again, it is not open. I called XXXX XXXXXXXX XXXX  customer service and they confirmed that the account is closed, I have a {$0.00} balance, and that the XX/XX/2021 payment was not late. However, the Agent could not assist me with correcting the error with the reporting agency.

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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.

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 2021-12-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian previously removed a discover late payment from XXXX It was reinserted into my credit profile without my notification or any verification. I need that late payment removed immediately

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 2015-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: SC
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:
I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX  and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.

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 2015-03-23
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Having an account through Synchrony Bank/Synchrony Financial ( formerly GE Capital ) for about one year, one in good standing and with XXXX balance, I received a notice from my credit monitoring service that the account was abruptly closed. My account was closed without any prior notice, warning or request. Upon calling the bank, pleading to speak to someone in the United States, I was eventually told that I was n't using the card enough. This card was barely 12 months old. 

The closure of this account, as with any account closure, immediately and negatively impacts a consumer 's credit score, as it did with mine. The card was still new and even though the parent company advertises that the card 'will be there when you need it ', this was not true at all. The bank 's representative went on to tell me that even the additional XXXX cards I hold with this bank may also be closed, simply because I do not use them enough. I suspect these practices may possibly violate the Fair Credit Protection Act. My consumer credit score has now been damaged by this bank 's action for no reason of my own other than that I was n't using the account. I was told I could reapply for a new card, which would also negatively impact my credit score and likely cost me fees by the bank. The practices of this financial institution appear murky at best, and possibly in violation of Federal laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, Equifax, XXXX, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Westlake Services, LLC
State: PA
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:
After reviewing my account and multiple attempts to dispute with XXXX  Westlake Financial continues to report inaccurate inquiries on credit file

Company response to consumer: Closed with explanation