BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2016-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and XXXX  informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one XXXX this website. Please reach out if you would like the others. )

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 2016-09-26
Company: America's Mortgage Lender, L.L.C.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for credit from Capital One ( https : //www.capitalone.com/credit-cards/  ) on XX/XX/2021 and was rejected. The rejection letter explained that my XXXX credit score is missing. I contacted XXXX ( XXXX ) and representatives told me that my credit score was available. However, XXXX agents told me they were not able to determine why Capital One could not extract my score. Anyway, Capital One told me to contact XXXX XXXX and XXXX XXXX told me to contact Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: LA
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 discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.

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 2020-08-18
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: Their investigation did not fix an error on your report

Complaint:
I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX Loans. I spoke with XXXX XXXX again today and received another notice from XXXX  that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, XXXX, Equifax, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX being reported on each of the three credit reports. One is correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, Equifax, XXXX, and XXXX. 

The reporting on Equifax that are now reporting a student loan that was closed in XXXX with a XXXX balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, Equifax, XXXX, and XXXX, as per the Fair Reporting Act. The correct one with the on-time payments should  remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir or Madam : This is the third time that we turn to you for assitance. The initial problem was an unrecorded mortgage. Through your help, XXXX XXXX XXXX recorded the mortgage in question ( see assignment of mortgage attached. ) Now the ultimate goal is for us to obtain a letter of satisfaction for the recorded mortgage. XXXX XXXX XXXX ( XXXX ) took over XXXX, which assigned the mortgage to Washington Mutual. XXXX finally recorded this assignment with the XXXX County Clerk 's Office ( XXXX letter enclosed ). Because JP Morgan Chase took over Washignton Mutual, XXXX stated that Chase will have to provide us with the Lien Release or Letter of Satisfaction. Please note that we refinanced we another bank and paid off the Washignton Mutual mortgage more than 10 years ago. The XXXX requested that Chase send directly to us the Lien Release in its original form. While we will be responsible for the recording fee, the XXXX indicated that they can immediately execute the release if we bring it in person. 
My wife and I want to acknowledge your tremendous help and getting this issue resolved. 
Yours truly, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: First Recovery Solutions, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a message from XXXX XXXX this morning. She said there was a claim against me and I needed respond, but she called my father 's house. That is not my home nor do I give out their number so I 'm not sure XXXX XXXX left more information with my stepmother than she did in the voicemail she left on my phone. She told my stepmother she was calling from First Recovery XXXX claim # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax, has a number of inquiry on my credit report. That, I didn't authorize. XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, which I Don't know these companies, I'm never done business with them. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Arbor Residential Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage for XXXX years with XXXX XXXX XXXX My original payment started out at about {$1600.00}. The next year when the analysis was done they lowered it to {$1400.00}. They recently sold my mortgage to seneca mortgage and I have received a letter from them on XXXX XXXX 2015 stating that my mortgage will be going up to {$1900.00}. I called to inquire and was told that my escrow had a shortage and I could also pay the shortage in a one lump sum. I do n't have that kind of money. I then called XXXX who sold my mortgage to seneca and was told that who ever did my analysis made an mistake and did n't include my pmi insurance but not to worry because they paid it for me. I find that hard to believe. I want to know how the new company can charge me this money when the previous company made an error in the analysis.XXXX said they were aware of the mistake but no one took the time to call us so that we could have rectified this before it got to this stage. I had spoken to the new company and they are not willing to work out anything other than payment in full of back escrow or up my payment $ XXXX.How is it our mistake when the bank created the problem.I 'm sure if we made a mistake they would be the XXXX ones on the phone to get their money.This is like selling a car to someone and then realizing you could have gotten more and then go back to that person for the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgement on my trans union and XXXX account and I have stayed with my parents since XX/XX/2010.

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 2015-05-27
Company: Law Office of Mark L. Nichter, PC
State: FL
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 have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My 2017 XXXX XXXX  was financed thru capital one. I could no longer afford the payments. I called capital one to get the payoff ( I recorded the call ) and it was {$12000.00}. I sold the car for the same amount. 3 days later I called to have the exact payoff instructions emailed to me and then payoff then was over {$16000.00} since I had the previous payoff recorded, and after months capital one agreed that is was there error, and accepted the {$12000.00} payoff. It took them weeks to post my payoff, even though at their recommendation they placed a conference call to my bank, and my bank verified that the payment had cleared. Since it took them so long to post the payment I started getting late payment phone calls. Rather than have their lack of timeliness in posting my payment I made another monthly payment {$470.00}, so as not to affect my credit, and I fully expected that since I made the full payoff, and then an additional payment, that of course the loan would be overpaid and capital one would send me back the {$470.00} extra that I paid ... they ( office of the president ) refuse to send it back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am furious of the way US Bank has handle my XXXX of credit. I was asked to provide prove from US Bank offering a settlement. I provided a letter stating US Bank was willing to settle with me if I pay them {$19000.00}. After I when to a US Bank branch and deposit the {$19000.00} US Bank is denying me my settlement documents. Agent XXXX disclose to me there is no record of the document I presented. This is a huge problem because I deposit US Bank the amount they were requesting to settle. This is prove US Bank is practicing fraudulent and deceptive practices in order to deny me any assistance. Please help me US Bank does not wan to help me. I have explain numerous times I do not have any funds available, the money I gave US Bank was from a severance packet my husband receive from a work injury. Since then he has not work I am the only source of income.

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 2015-06-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I contacted my loan company to set up a arrangement to get my loan caught back up, since I had to move towns and jobs because they gave the other party on the loan my information after knowing there is a no contact, restraining order and that they are in prison so who ever is calling is not that party.do to my info being given out my truck has been vandalized so I moved again. So I am now moved and I made the arrangement to get my loan caught back up. I made the XXXX payment on time and even called them after leaving the local branch bank to tell them I had made the payment but there servers were down. I asked if they needed the tellers name and number so they could confirm the payment and was told no. So the following day and everyday after that the number I called from has had calls XXXX and XXXX times a day Monday thru Saturday from the bank. They have told the company it is not my phone and to stop calling. I feel this is harassment. I made my payment and am waiting on my next payday to make my next payment. I told them I was changing banks as well and waiting on my direct deposit to be set up. I have an account set up that is strictly for my payments and that I have a direct deposit set up for that money. I just have to wait for it to be switched over. I even set up the account at a branch of there bank so it would be all same day transfers. I am doing my best to keep them informed of what is going on and make my payments to get caught up, but to have a different person keep calling everyday to change what was already arranged i feel is harassment and an embarrassment this was a friends phone number. this is all being done by Wells Fargo Dealer Services Out of XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief