BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : 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 non-monetary relief
Consumer complaint received 2016-04-08
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Effective XXXX XXXX, XXXX my mortgage was transfer to Seterus from XXXX XXXX XXXX. I was receiving statements prior to XXXX XXXX for over 8 yrs and four of them were during my Chpt XXXX. Seterus is refusing to send monthly statements after several requests in writing. They have yet to acknowledge acceptance of my request in written. On XXXX XXXX, XXXX thru my own investigation, I found they refused to renew my homeowner 's insurance with XXXX and that they had placed their own forced placed insurance on my home without notifying me. My insurance coverage had not lapsed in 9 yrs. Their excuse was I 'm in a active chapter XXXX and they do not have to communicate with me. My bankruptcy attorney has provided docs allowing communication between us and Seterus has verbally acknowledge letter is on file. Yet I can not get a simple, request for verification/proof of insurance. Instead they added insurance coverage and deducted the amount out of payments to Seterus causing a deficit. Imagine my surprise as I spoke with Seterus ' representative. After several days of conversation between Seterus, XXXX and my self, Seterus claimed they had removed the forced placed insurance and sent a check to XXXX ten business days ago. They claimed they refunded my account for insurance payments from the forced placed insurance. When I ask for proof, they " do not have to provide it to me as I 'm in an active chpt XXXX. '' By the way, XXXX has yet to received said payment. Another issue I have with Seterus is I 've been working to refinance my home thru HARP and they have done everything from sending out payoff that expires within XXXX hrs to refusal to provide 30 day payoff, to not giving a payoff that 's long enough for us to close on our loan. They state " it is against our policy '' to provide what seems to be an industry standard. Escalating in this company is pointless. Everything takes 7-10 business days to get, even if the error was on their part. They continue the same error over and over again and yet bill us each time. It takes them 7-10 business days to process your payment once they received it. Industry standards take 24-48 hrs for any of these type of requests. They never acknowledge anything in writing upon requesting information from them. This company is doing what they want to and always quoting it 's their legal right. What rights do I have as a homeowner fighting to keep her home?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Professional Placement Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification of debt that I do not owe and the company will not send me this information however they keep sending me letters for an account that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
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: Public record information inaccurate

Complaint:
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 2017-07-17
Company: Experian Information Solutions Inc.
State: VA
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:
This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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 2017-07-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.

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 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 2015-06-15
Company: Receivables Outsourcing, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   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 2017-07-17
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: Information belongs to someone else

Complaint:
I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In XXXX of 2013 I was sent a notice from XXXX XXXX XXXX to go to court for an outstanding bill of apx. {$8000.00}. I wrote back and said I did n't understand how they could take me to court for a bill so old ( it is about 8 years old. ) I told them that I went through a period of bad health and divorce. I got behind with the IRS. They have reviewed my case and put me in " non-collectible ''. I told them the best I could do was {$25.00} a month. They agreed on that. I have a contract signed by the judge that says that I will pay {$2500.00} a month. This year when I had my taxes done they took my {$150.00} refund from the State of Michigan. I contacted them and they said " does it say on the contract that we can not take that money? '' I said no, but it does say we agree to {$25.00} a month. Well they kept my money. Can they just go in on any of my assets and just take them, even though we have a contract stating payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A criminal in Massachusetts called Discover and requested a card in our name and number on XXXX XXXX, XXXX. Discover asked them questions which answers could be found on our driver 's license. They did not use security question answers which I assumed they would. They received a card on XXXX XXXX, XXXX and began charging at XXXX in XXXX, MA ( the first charge which was {$210.00} ). Then charged another XXXX charges at different times at XXXX each over {$200.00}. They also went to a few fast food places and a XXXX in XXXX, MA ( both charges over {$200.00} ). 
We found out about this when my husband tried to use his Discover card on Saturday, XXXX XXXX, XXXX and it was declined. He told me when he got home and I immediately called Discover Card Services. They said that they had sent out a card to a person claiming to be my husband, XXXX XXXX, in Massachusetts. I asked why they did not call me or email me to verify the request. They said that they had tried " several times ''. I never received a call or email. I told them that I had not received a call or email. I have credit card protection with them which I pay for annually. Some protection. 
Can you help us? 
This same scenario happening to us XX/XX/XXXX with our XXXX XXXX. 
They gave us the same response of having called and emailed several times. I never received an email or call. The charges also originated from Massachusetts. 
Something is occurring at these credit card companies that, in my opinion, appears to be internal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Equifax that the XXXX complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that XXXX XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA XXXX XXXX. XXXX states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within XXXX days according to XXXX XXXX. XXXX but the agency also did NOT comply with the law yet again. For the record, only the original credit can validate an account per XXXX XXXX XXXX and a creditor only refers to a " person. '' Equifax never validating anything with me. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had  XXXX  charges this year by   XXXX   I disputed with bank bc the items were incorrect Bank worked in the other companies favor and company would not work with me on returning items or remaking items I am still at a lost and items were not correct, this is not fair a bank should be in customer favor when they are at a lost  XXXX / XXXX /2017 {$3900.00}  XXXX / XXXX /2017 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
at trans union it is different than any other credit report it is reporting that XXXX and XXXX and XXXX are bad accounts but they are not they were paid in full and closed by me

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 2017-07-17
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:
I 've reached out to the credit bureaus to dispute an account listed as "   XXXX   '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.

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 2017-07-17
Company: ZENCO COLLECTION, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation