BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Freedom Mortgage Company
State: VA
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:
Freedom Mortgage is the company I am filing the complaint about. I was going to Refi with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt Refiing. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. Freedom charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then Freedom made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX   and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a Refi loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.

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 2015-06-06
Company: Genesis Lending
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I got a student loan when I went to XXXX College in XXXX. The loan company was Genesis Lending Services and it was for a little over {$3000.00}. I ended up dropping out of the school due to it not being the right fit. I started paying off the loan in XXXX XXXX. I have had nothing but problems from this company. First they charged me late fees every month, and I had to call to make the problem corrected, then I applied for a line of credit through my previous bank and I did n't get it due to lack of credit history, which is okay but they told me my student loan was not reporting to my score or anything. So I called the company in XXXX XXXX and they said it takes a while, give it a couple more months and it will be on there. Well I gave up and decided to wait. I recently called XXXX XXXX and they STILL are not reporting. They said it 's a flaw with the specific loan I have, and they are working on fixing it. But it has been almost 2 years, and I should have been fixed by now. Them not reporting is messing with my credit and making my score not what it should be. They also mentioned my loan is being taken over by another company, and when I asked if I would be getting notified about this, she said only if I called and asked for a pamphlet or a letter. This transfer is something I should know about long before it happens. The loan transfer is happening XXXX XXXX, and I heard about it less than a month before it happens. This company is shady. I would like the student loan I 've been paying on for almost 2 year to be on my credit report so my score will go up and I can start life without having to have a consigner on everything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I HAVE UNAUTHORISED USE OF MY ACCOUNT WITH PAYPAL THEIR DEFENCE IS THAT IT WAS ME THEY WONT PROVIDE ANY PROOF MORE THAN THAT THEY RETAIN FUNDS 180 DAYS MORE THAN THAT I WAS KICKED OUT FROM THEIR SERVICE AFTER BIENG SCAMED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 180 days past due as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My  Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX CONTACTED CAPITOL ONE CUSTOMER SERVICE TO REQUEST A LOWER APR. THE REPRESENTATIVE STATE I HAD NO OFFERSON MY ACCOUNT TO LOWER THE APR. 
I HAVE HAD THIS CAPITOL ONE ACCOUNT ENDING IN XXXX SINCE XX/XX/XXXX = 7 YEARS 6 MONTHS AND NO OFFER IN THE TIME I HAVE HAD THIS ACCOUNT OF OPTION REQUEST TO LOWER THE APR. 

I DO NOT UNDERSTAND IN 7 YEARS OF HAVING THIS CREDIT CARD I CAN NOT GET AN OFFER TO LOWER THE APR. 

FOR 7 YEARS MY CREDIT LIMIT HAS BEEN {$500.00} NEVER INCREASED. 

APPEARS TO BE AN INTERESTING QUESTIONS THAT DESERVES AN ANSWER IN WRITING. 

HOW LONG DO I HAVE TO HAVE THIS CARD FOR ANOTHER 7 YEARS TO GET AN OFFER TO LOWER THE APR. 

MY PAYMENTS ARE CONSISTENT AND ON TIME HIGH PERCENTAGE OF THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 2nd message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 3rd message. 

XX/XX/XXXX : Called the provided number, spoke with XXXX, who told me she could take care of me since XXXX wasn't calling me back. I explained how there was a disagreement between my insurance company and the hospital, which led me into this collection status. I asked her what can be done to minimize the impact on my credit. She told me there was nothing she could do, unless I can dispute the collection and provide an EOB from my insurance company or speak with XXXX  to change things. 

XX/XX/XXXX : Spoke with XXXX, who told me that the collection agency didn't tell me the truth, they are able to pull back the record from XXXX if they want to do so. And that I can also dispute the charges if I want to. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 2nd message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 3rd message. 

They are misleading on what is the best steps forward to resolve the issue, and, also refusing to call me back or communicate with me to actually resolve the issue. While this is happening, they are still sending me letter that my interest is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXX did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to contact Cardinal Financial Company on three occasions : XX/XX/XXXX, and XXXX, XXXX. 

I received my escrow analysis. From the analysis, it looks like I have a shortage of {$210.00}, which spread out over 12 months of payments adds {$17.00} and brings my total monthly payment to XXXX. Based on the data in the electronic system and on the new payment analysis, Cardinal 's documents indicate a monthly payment of {$2100.00}. This would result in an overpayment of {$190.00}. Further on the payment coupon, included in the Escrow Analysis, I am provided an option to pay the full shortage of {$210.00} or have a monthly increase of {$2100.00}. 

In short, the Escrow Analysis contains multiple inconsistencies, which have now been hard coded into my revised payment plan. I have sought clarification from Cardinal Financial Company via their secure portal and have not received a response. This new payment goes into effect on XX/XX/XXXX and I am concerned about the errors in documents provided by Cardinal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 remove this account, and this address. It does not belong to me. Check attachments.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2017-02-15
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt does not belong to 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 explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

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 2020-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 text message from XXXX, debt collector XXXX XXXX on XX/XX/2020 regarding a debt of the credit card. Also, it stated that I should contact this office in order to prevent further consequences. 

On XX/XX/XXXX, I called the office and I spoke with Ms. XXXX to send me the information through my e-mail so that I can check my credit reports Bureau. She sent me a letter with the information : the creditor 's name is Household, account # XXXX with a case file # XXXX the Balance of the debt is {$3700.00}. 

On XX/XX/XXXX, I got a message through the voice mail from Ms. XXXX regarding the complain that I have been filed against me and need to call urgently to solve the issue and prevent further actions. 

I spoke and checked with the Credit Report Bureau Representatives and he told me the above creditor 's name and account number does not appear on my credit report in all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax is claiming US Dept of Education is reporting accurately. They informed me I needed to talk to the data furnisher directly. So I sent requests for information multiple times with no response from them. I then sent a letter to Equifax informing them the US Dept of Education failed to respond to my request for further information. It has now been over 6 months since my original contact with the data furnisher & over 30 days since I sent my letter to Equifax to remove the account. I would like this account removed from my report immediately. Both XXXX & XXXX have removed this account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX Dear CFPB, I have tried to work with Equifax about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX  still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Equifax is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation