BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with XXXX XXXX. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. Last month I had a full modification package submitted to the lender. At the last minute, they placed a sale date on my property and declined my modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My personal information should read as follows on all consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-02-27
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, There are two charges for pay-off letter when I was closing the loan with FalgStar Bank. 
The first one was made on XX/XX/2020 ( and I was aware of this ; this was made by my new lender ). 
The second one was made on XX/XX/2020, and I do not know who made that request. When I asked the rep over the phone on XX/XX/2020 to give me the information of who made that request, she was unable to give me that info ( there was no info ). 
So, before I closed the loan I called them and waiver was applied to one of the charges. Then I was told that a check will be mailed for this charge ( {$30.00} ). 
Last time I had a chat with a rep on XX/XX/2020, she told me that the waiver was approved, but you are not going to receive a check simply because the loan is inactive. 

Ticket # for this is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is about  XXXX   XXXX   XXXX   XXXX  continuously using third party collection agencies to collect on a debt that was settled in  XXXX    XXXX  . Id like to file a complaint against  XXXX   XXXX   XXXX   XXXX  for the continued harassment.      XXXX   XXXX   XXXX   XXXX  should not be able to continuously try to collect on a debt that was settled in  XXXX    XXXX  . I cancelled my phone service in early  XXXX    XXXX  , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available.      XXXX   XXXX   XXXX   XXXX   had   XXXX   XXXX   XXXX   XXXX   XXXX , a third party Collection Company to contact me in  XXXX    XXXX  , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from  XXXX   XXXX   XXXX   XXXX  continued and has been ongoing (  4 )  years with no end in sight. They just use different third party collection companies to harass me.     Now  XXXX   XXXX   XXXX   XXXX  is trying to resubmit the debt and collect on the {$320.00}.  AFNI, Inc.  even submitted false information to the credit bureaus that the original debt was {$320.00} in  XXXX    XXXX  . I have my original statement from  XXXX   XXXX   XXXX   XXXX  which shows tha t AFNI , Inc. , is providing the credit bureaus false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: National Credit Systems,Inc.
State: CO
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 spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am XXXX XXXX military and I see accounts showing on my profile I did not open

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 2020-02-27
Company: EQUIFAX, 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:
Inquiry made without my knowledge or consent XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CIG FINANCIAL LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Ditech Financial LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
<P/>
The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
<P/>
These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
<P/>
I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
<P/>
I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
<P/>
Any assistance you can provide would be greatly appreciated.
<P/>
Thank you in advance,   XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: MD
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:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

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 2017-06-12
Company: GEORGE MASON MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For the past two weeks I have been trying to work with XXXX XXXX to acquire a mortgage. We originally went to George Mason Mortgage to get a XXXX to XXXX loan. We ran into difficulties because of not being able to verify my wife income. So we reduced the amount of the loan and decide that only myself would apply for the loan. XXXX does not like the much lower amount of XXXX. Since that time he has refused to help any longer. He says even though my wife and I have separate credit account and debts that because I am married to her I must claim all of her debt. He also has told me that I can not claim my two years of XXXX income but I have to claim the business debt. I have successfully completed the HomePath Ready Buyer  which is an associated compensating factor which allows for 50 % DTI when using XXXX XXXX XXXX loan. XXXX has said there is not such program. I have asked XXXX to correct his income calculation because as guided by XXXX XXXX rules automobile depreciation claimed on Schedule C needs to be added back into the cash flow calculation. He said there is not such rule. XXXX is also basing his decision on a flawed credit report and has implied that I am lying about the errors. I have asked for a rescore but he has refused. I am also a person with XXXX so I ask for a simple accommodation of meeting in-person to review the documents and to work on the issues, and they refuse to provide me with this simple accomodation.

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 2017-06-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have advised the company over and over again that the below accounts are reporting inaccurately- Equifax  advised  that the information came back verified to me. I asked method of verification and have yet been provided that information. I also informed Equifax that the other  2  bureaus have deleted the following accounts due to reporting inaccurately on my credit report and not showing my true credit report. i also included proof when i sent this information over to them. Equifax stated that  XXXX   XXXX  verified my name dob & address when that is infact incorrect- They have a complete different name and address/ address that i never lived at or heard of this person. Documentation was sent over to them confirming per frontier that was provided that the account was open fraudulently with my ssn!  XXXX   XXXX   XXXX  has been removed from both credit bureaus due to reporting inaccurately the balance is 100 % incorrect and has not changed for 2 years & is completely incorrect and is now reporting late when the account is not THIS NEEDS TO BE REMOVED ASAP!!   XXXX   XXXX       XXXX   were both deleted from the other credit bureaus for reporting inaccurate information as well.. the accounts were never paid late!! Due to reporting inaccurate information on my credit report EQUIFAX is completely incorrect and needs to reflect my TRUE credit report!! and complete a intensive investigation. and provide me documents that were used to verify that the creditor is providing to prove that the account is reporting correctly Equifax is not providing my TRUE credit report which is not allowing me to proceed with the buying of my home.!!   They are in violation of the FCRA!!!!       Also they have my name as  XXXX   XXXX  which is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX  I filed a claim with the insurance company  (   XXXX   XXXX   XXXX   XXXX  ) which handled the insurance for  Select Portfolio Services Inc  .  the funds for the damages where sent to  SPS Inc.and  my name., seance  XXXX    XXXX  , I have tried to SPS realize the funds to fix the dueling but as today is been a run a round., I have spoken to the loss draft department with  XXXX   XXXX  to this number  XXXX  she has requested contracts, inspections etc. all has been done but she does not realize the funds to fix the house.,  Claim  #  XXXX   Loan  #  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 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On  XXXX  vehicle had severe engine miss. Went to   XXXX   XXXX    XXXX    XXXX   for repair. Charged {$440.00}. Car continued to miss, went back several times but car never repaired.Poor service as they did n't care. Went to other garage and notified that alll spark plugs were mis gapped plus an installation of a broken spark  plug.Advised Visa  not to pay because of dispute and sub standard workmanship.I would get form letters that action will be taken in thirty days., Further, after some time  XXXX   XXXX  knew I paid {$76.00} extra on only  one  bill of several invoices, to further repair car. so they sent check {$76.00} to close dispute and guilt of negligence fraud and liability.  XXXX  has ignored these facts to date and have not issued proper credit in this dispute >

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 2017-06-12
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the Spring of  XXXX , I discovered from a colleague that, because we worked at a nonprofit organization, I was eligible for a ten-year payback plan, in which the government would forgive my loans after  XXXX  years of service and continuous monthly payments.  SallieMae  informed me at the time that I was ineligible for this service.     In Spring  XXXX  when I heard again that I should have been eligible, I called  XXXX . They informed me that I had to contact a separate agency who would enroll me in this process. However, none of my six years of payments would count toward then  XXXX  years.     Now this spring, I heard that there was a class action lawsuit against Sallie Mae/  XXXX   for the inaccurate information that they gave me in  XXXX .  Sallie Mae /  XXXX   has recordings of these phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account reporting on my credit report from  Capital One . I already contacted then and the credit agencies to let them know someone was using my identity to open accounts in my name. But the account still remains. I did not open a  Ca  pital One  account or purchase a car with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am filing a complaint against Transunion.com. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by XXXX points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. TransUnion is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.

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