BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: Comerica
State: NM
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2021-03-14
Company: A+ Loans, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told that they would delete the account and payment history because the account was paid and they were to remove from all credit reporting agencies but its showing 3 late payments which is inaccu

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 2016-02-19
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a property with Homepoint, in XXXXXXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We submitted all the proper documents, including the insurance binder. Everything was approved, and we received the mortgage. A few days ago, we got a letter in the mail ( attached ) demanding that we add wind coverage to our policy. We also emailed Homepoint with the current binder ( WHICH THEY APPROVED!! ) and asking them to dismiss this ridiculous request. 
PS - I apologize about the stain on the letter from Homepoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.

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 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: OR
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I can not get them to get back in touch with me. I have called daily and sent emails for 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, my name is XXXX XXXX, I have been receiving letters and calls from creditors trying to collect several accounts that are in my name but that I was not aware of, I have not asked for credit cards I have only one credit card from the that I am responsible with XXXX XXXX XXXX. Please can you help me verify those accounts that are not mine. thank you I mention them below -XXXX XXXX XXXX XXXX. XXXX  XXXX -XXXX XXXX {$2300.00} account ending XXXX -XXXX XXXX  {$26000.00} -XXXX {$850.00} - Capital one bank usa n balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received over mail a pamphlet, with my name to my home address, inviting me to earn {$500.00} when opening a checking and savings account with TD Bank. 

Given that I didn't receive the bonus in the stipulated time, I first reached out to customer service online, who indicated to go to a branch. I went to a branch last week and was told that they were going to look into my account and reach out to me. I didn't receive any news, and thus I went to the branch again today. The salesperson indicated that he would look into my case again, but that likely the reason that I might not get the bonus is that I had received that bonus in the past. 

The pamphlet states that one of the conditions to earn that amount is : " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months ''. 

I indeed had a checking account for which I received a bonus and closed the account on XX/XX/XXXX. I opened a new account after receiving this pamphlet in XX/XX/XXXX. 

I would understand that I wouldn't be eligible for another bonus if the pamphlet stated that someone receiving a bonus in the past would not be eligible for a new one, but it doesn't say that. It only states that I don't have to have a personal checking relationship within the preceding 12 months, which is true. 

I have complied with all the other conditions stated in the pamphlet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had XXXX of my accounts removed and inquiries removed at the beginning of XXXX 2015 without my consent. I see now that Equifax has did a mediocre investigation, while I do appreciate them adding my accounts back on, which are XXXX accounts on XXXX which were previously deleted because they were not mine, need be deleted and they also added about XXXX XXXX inquires which are not mine and must be deleted. If they took the time to look at my credit report as reported on XXXX XXXX, 2015 they would see my credit score was a XXXX and now has dropped to a XXXX, this is not acceptable and they must take the direct actions to remove accounts that were not on my record before as well as remove inquires which are not mine. I would also like them to open accounts which they have closed. My credit needs to be a XXXX or higher now and because of this it has dropped Equifax needs to fix this now. 

These accounts were XXXX : XXXX, Inquiries, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, I did not authorize these inquiries. 
My name is reporting wrong as well XXXX XXXX XXXX be XXXX XXXX XXXX of my accounts that were open are not stating they are closed. I would appreciate it if Equifax reported the open accounts. I have attached my credit report for their review from XXXX/XXXX/2015 before my accounts were removed. I would appreciate it if they could report the open accounts as they are in my report as it is from XXXX XXXX report in XXXX 2015. Also Remove the inquiries those are not my inquires and must be deleted. Thank you Equifax. These dysfunctional reporting cause my score to drop XXXX points and my credit score dropped because of whatever happened which was unauthorized. I need Equifax to fix my credit score and fix the accounts I attached my report on XXXX XXXX, 2015 and am reattaching it again XXXX XXXX, 2015 which is true and I will notarized and documents to prove my honesty. I need my credit report to report exactly as is or else Equifax is breaking the law to me as a consumer. I Demand them to fix this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
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:
During the first time applying for a mortgage with XXXX XXXX back in XXXX of XXXX a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX  I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXX which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Gitsit Solutions, LLC.
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 status incorrect

Complaint:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was put into foreclosure by my mortgage company after being late one month and a few days. I entered into a repayment plan full of fees. On my credit report it shows me being late 3 and 4 months there is no way I would have been foreclosed on. I even paid the the repayment plan early. I disputed this credit bureau and they refuse to show I paid on time all those months. Had I been that late they would have foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

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 2016-12-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.

Company response to consumer: Closed with explanation