BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: GreenSky, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and Transunion, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-20
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mortgage was sold/transferred to this company ( Roundpoint ) from original lender ( XXXX ) effective XX/XX/2023. Automatic payment information was transferred to Roundpoint according to letters sent by both companies. Neither the terms of the automatic payment ( Roundpoint pulls them from my checking account ) nor the terms of the mortgage agreement changed during this sale/transfer. 

Roundpoint has received all mortgage payments in keeping with mortgage terms since XX/XX/2023, and shows these payments in their system. They are all visible in Roundpoint 's online portal and on paper statements mailed by Roundpoint. My checking account also shows all of these ACH withdrawals made by Roundpoint. Nevertheless Roundpoint has done the following.

( 1 ) Mailed me past due notices for payments made.

( 2 ) Sent me statements that show a proper amount due and proper payment history on one part of the page, but show a past due amount for payments long-ago collected by them on another part of the page. 
( 3 ) Continued to report, to XXXX, XXXX, and XXXX the balance owing on my mortgage as the balance they transferred effective XX/XX/2023, even though it is now late XX/XX/2023 and multiple months of payments lowering the balance -- according to Roundpoint 's own systems and mailed account statements -- have been made and credited.

( 4 ) During dispute investigations with all 3 of those credit bureaus, misreported the incorrect balance to those credit bureaus as correct, even though it not only does not match their systems and the account statements they have sent, and even though the balance on their records is lower by literal thousands of dollars.

( 5 ) After the credit bureaus closed their investigations, and all balances had been lowered slightly, Roundpoint went back to re-reporting the original XX/XX/2023 balance as the current amount owed in XX/XX/2023. 

This is pretty clearly some sort of acquisition problem paired with no regard for factual accuracy. There is no confusion as to what my balance is and whether payments have been made. But Roundpoint can't even get a single sheet of paper ( account statement ) to consistently agree with *itself* within that single page, and has doubled down on reporting inaccurate information to the credit bureaus.

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 2021-08-31
Company: EQUIFAX, INC.
State: NJ
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:
I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife has been unemployed for over a year since she was forced to close her business because of the business not generating revenue. We are delinquent on all our bill. 
My income is the only income that we have at this time, my wife is currently seeking employment. Received property foreclosure correspondence XX/XX/2019 with a sale date of XX/XX/2019 per the Tennessee law foreclosure sale date notice is to be received 30 days prior to the property foreclosure sale date. Received correspondence XX/XX/2019 to validate the debt. I didn't receive this notice 60 days prior to the property foreclosure sale date. I've recently submitted request to the mortgage company Regions Mortgage for mortgage assistance.

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 2023-11-20
Company: LEXISNEXIS
State: VA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Park Hill Holdings
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Saferent Solutions failed to generate a rental score in order for me to be approved for rental housing resulting in a denial from XXXX XXXX XXXX that I believe was discriminatory in nature. The adverse action notice stated that they were unable to approve my application because I don't have a XXXX score. Yet the requirements like clean background, no past evictions and making 3x the rent were all satisfied. XXXX XXXX XXXX is just collecting people 's personal information and application fees for profit. Saferent Solutions is data mining and aiding in XXXX XXXX discriminatory tenant screening practices.

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 2021-08-31
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: ULRS, Inc.
State: SC
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:
United Legal Group took a debt from a business I used to own and posted it to my personal credit report. They are telling me that because I owned the business I am responsible for the debt. They have achknowledged it is a business debt however will not remove it unless I pay a balance that is 3 times the amount of the original debt.

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 2023-05-22
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : PNC BANK AUTO LOAN XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Affirm Holdings, Inc
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with the first agent at affirm, who looked into my account and stated that he would send me a letter/email stating that my XX/XX/XXXX payment was actually paid and that he could see that it was an automated system that sent end my payment as being late. A payment for XXXX was also made on the XXXX and a payment for XXXX was made on the XXXX and those reported fine. I was disconnected from that representative and unable to get the letter or be transferred back to him. I then spoke with XXXX who also agreed that it was a system error they saw where I paid it in XXXX and it should not have been reported as such. She provided me with a letter that shows XXXX XXXX, and XXXX being paid and she notated in my account that it was system error, and that she was escalating it on her end. I called back to asked if they could notate in the email that they noted in my account. It was an error and that it was being escalated where I was transferred to the supervisor who told me this was beyond her control and that because it was charged off in XXXX which has nothing to do with me making a payment and then reporting it not being made in XXXX. She was very unhelpful and told me that I needed to get the credit bureau on the line because my account was charged off, however, three other agents were able to provide me with information stating that I indeed paid it they can see where I paid it and unsure as to why it reported to the credit bureaus as 30 days late for the only month of XX/XX/XXXX she kept referencing that my account was charged off. I never denied it and as of today, three months later from the charge of the account was paid in full I explain to her that I wasnt negating the fact that my account was charged off, I was trying to get the XX/XX/XXXX late payment removed from my credit report because it was indeed paid on XXXX XXXX just like XXXX and XXXX and those reported fine she was very unhelpful, she did not listen and disregarded what her last XXXX employees told me and notated in my account. I have the email from the agent and the paid screenshots from my affirm account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: SF VAGO, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted State Farm with the correct information about the vehicle loan that I been making ontime payments on. I contacted them to let them know I was out of town in XXXX XXXX and I tested XXXX XXXX XXXX XXXX I checked my checking account and a payment did come out of my bank for the XX/XX/2021 onetime payment. I have faxed them a copy of my bank statement and attaching a copy to you as well. The late payment is still showing on my credit report currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Meridian Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a complaint to XXXX XXXX and Meridian Financial Services and they have not removed this items that is not mine. This should be illegal. I sent out letter on in XX/XX/2023 and received not response. I sent out a demand on XX/XX/XXXX and XXXX XXXX did respond but Meridian did not. Today XX/XX/XXXX I reported Meridan to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under XXXX XXXX, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.

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 2022-11-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Fraudulent collection being reported on my credit profile. I never opened any account nor received any service from company in question. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to Equifax and they still failed to remove this fraudulent account from my credit report. Attached is proof that Ive made several attempts to get this fraudulent account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Kikoff Inc.
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on KIKOFF LENDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. KIKOFF LENDING LLC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
There has been no assistance provided for my loan. The mortgage company/loan servicing company failed to pay the home owners insurance in XXXX for XXXX. I called multiple times and the XXXX XXXX XXXX assured me the payment was made. However, I received a letter in the mail that stated the home owners insurance was force placed at a rate that creates a hardship. My original homeowners renewal offer was for {$990.00} and the insurance placed by the mortgage company is {$2100.00} This takes my payment from {$2500.00} to {$2900.00}. The mortgage company has shared that they did not pay the policy on time and was unable to be renewed XXXX spoke to them and shared that it is now my responsibility to find a new insurance company and send over proof of insurance. This is a predatory practice that supports the pockets of insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-03-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Information belongs to someone else

Complaint:
Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the TOYOTA MOTOR CREDIT XXXX within the time set forth by law.

Company response to consumer: Closed with explanation