BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This past Spring of XXXX  I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXX XXXX. Upon applying for the XXXX  mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in XXXX of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the XXXX  mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the XXXX  mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Account information incorrect

Complaint:
Currently in federal litigation with XXXX XXXX XXXX. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill and numerous phone calls from XXXX XXXX. I explained that I know nothing about the debt and to please send me proof of it. They claim it was from XX/XX/XXXX and the debt is for {$1000.00} from XXXX. The bill says I could settle for {$350.00}. I have now asked 4x for  proof of debt to no avail. Today I saw it was on my credit report and account opened XX/XX/XXXX. This is total nonsense. I have had XXXX for as long as I can remember. I need assistance. Thank you

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 2021-03-12
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase for {$2000.00} with my Costco citi Visa card. The item was canceled and the funds were returned back to my citi bank card. Citi bank had had my dispute in pending status since XXXX. Ive contacted the merchant and got a trace on the funds a few month ago. XXXXXXXX XXXX  said theyve tried to contact the merchant with no luck. I offered a three way call to find the transaction trace but XXXX XXXX refused. My credit had dropped 14 points from this and Ive documented proof.

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 2022-10-10
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I thought paid all my electricity bill with XXXX XXXX after I sold my first home. XXXX XXXX also provide service to my new address. i am paying the bill on time on my current address. Then I received a collection letter from XXXX XXXX XXXX XXXX telephone Number : XXXX. I made the full payment in the amount of {$120.00}. I have the proof of receipt. They also charged me few dollars more for making the payment over the phone. 

Almost after a year later i received another statement from Bull City Financial solutions , INC. telephone XXXX regarding the XXXX XXXX bill for the same amount {$120.00}. i explained to them i already paid, emailed them receipt but They were asking us to pay again. 

I reached to XXXX XXXX and explained my current situation. I was able to make the payment with XXXX XXXX because they said they haven't receive the payment from XXXXXXXX XXXX XXXXXXXX XXXX. I reach out to XXXX XXXX XXXX they are telling me to contact XXXX. Bull City financial asking me to pay them. 

I paid Twice 1st time with XXXXXXXX XXXX XXXX and 2nd time with XXXX energy directly. 
My Credit Score is going down I am unable to get good rate be because of my Credit Score. 
It is fraud, I should not pay more than one time. 
Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX  ( under XXXX XXXX XXXX  and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of Caliber Home Lona , Inc. and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to Caliber. Caliber processed payments, credits, charges, and advances while it was servicer for the Loan. 

Please identify WHO released servicing rights from XXXX to Caliber [ the name of the Company and its individual responsible representative ] and for WHOM Caliber collected and processed my payments between XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Ocwen Financial Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I was going through a divorce, my ex-husband stopped paying the mortgage without me knowing and had the mailing address changed to a PO Box in his name. The lender, Ocwen which then was transferred to PHH Mortgage/XXXX  XXXX, never properly notified me as a co-borrower of this issue but started foreclosure proceedings. I went to court on XX/XX/XXXX once alerted to resolve this with my attorney, where the judge ordered a six month stay on any proceedings. In the interim, I sold the property and paid all outstanding fees and balance on XX/XX/XXXX before the stay would expire. 

The lender, PHH Mortgage, reported to the credit agencies a " foreclosure start '' alert dated XX/XX/XXXX, which is now preventing me from any refinancing options I wish to do on my current home because of this issue. I've reached out to the company both verbally and in written documentation dated XX/XX/XXXX to the Escalations Department and can not get anyone to address this. My calls always get transferred overseas to the XXXX where the reps keep telling me it's being reviewed this after over 60 days of constant follow-ups. I can not get in touch with anyone in the US/ NJ offices, all calls are only transferred out with no assistance. 

I'm asking for someone to help with my credit status, I always had perfect credit prior, this was a situation out of my control and was resolved accordingly within the timeframe given by the judge in the XXXX County Circuit Court. 

These companies, Ocwen/PHH/XXXX  XXXX, all have negative online comments by consumers for their horrible consumer relations. I hope that there is some recourse that may be helpful in resolving this matter quickly. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please have all 3 bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait 24 hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER

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 2022-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Two felony records were found under my name claiming grand Theft Auto and burglary. Which is unacceptable. I only went through this for a job, that I probably lost do to this ignorant mishap. Never did I commit any such crimes. The court houses could tell you themselves, I have traffic tickets like most but I've never have been nor will I be a criminal. This is my life and I suggest you all get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been working with a loan company and the have approved me for {$3000.00}. I was planning in going into sign the documents today. I have a lead provided a copy of my drivers licence and a my companies name, address, tel number and my managers name. They are asking me to bring my social security card and provide 3 names and their contact info. It seems that because I have a non American   accent that they are treating me very differently. They phoned me today XX/XX/2018 and told me I had red flags on my credit report. There is no red flags on my report. The loan companies request seem all unnecessary and extreme. I just want to be treated like everyone else that is getting ready to signs an agragrrement.

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 2021-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting inaccurate payment history and activity. They are reporting current activity for a closed charge off account. And also accured interest on a closed charge off account. 
And also failed to provide me with the method of verification 3 times. 

XXXX XXXX XXXX account The payment history is wrong. Reporting every month up until this date is illegal since its closed and charged off way back in 2017. And the late payments are not reporting correct late payment sequence. 

XXXX XXXX Account was XXXX $ now its XXXX $ How is that when its closed how is interest added to an closed 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 2023-09-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Hi, I am recent victim of identity theft. This item has already been removed before, according to the fcra, you are breaking the law by keep allow this account to report!. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included XXXX XXXX alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETE IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2018-10-11
Company: E*TRADE BANK
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-10-10
Company: EQUIFAX, 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:
I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX  on my credit report.XXXX  updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation