BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/X/2017 Amount : {$170.00} Action Taken : Made payment to XXXX and advised by XXXX Representative the account would be removed from credit report. Stellar Recovery refuses to remove the account as promised by XXXX. 


There was a collection item on my credit report from XXXX that I was not aware of. I did the online chat with XXXX and the representative from XXXX told me if I paid the account in full they would remove the item from my credit report. I called Stellar Recovery to let them know that I paid the account and to let them know XXXX confirmed with me that the account would be removed. The representative from Stellar Recovery told me she would not remove the account from my credit. I told her I had the transcript of my conversation with XXXX along with the confirmation that I paid and she continued to let me know the account would not be removed. When talking to the XXXX representative he confirmed with me more than one time that this account would removed from my credit report. I do not have what else I can do as I was told by the representative that it would be removed. I have a copy of the transcript and confirmation of the payment if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: WV
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 XX/XX/2021, I sent a letter regarding an inaccurate 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 ), 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 Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
on XX/XX/2022 I sold my house and mortgage was paid in full and satisfied. my credit report shows account was closed and a balance is still due in XXXX. I want my credit reports to show mortgage has been satisfied and paid in full, not closed. I tried to contact the company but they say I don't have an account with them I tried to contact Experian, XXXX and XXXX and they said i need to speak to the lender, who will not help me. Attached you will find the letter of satisfaction and the date in which they received payment.

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 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist explained to me that payments were applied to my mortgage. I was reading it wrong. 

However the payments I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX do not appear on my payment history. I'd think Truist would notice 1/3 of the year missing. But this wasn't mentioned. 

I also asked for check copies between XX/XX/XXXX and XX/XX/XXXX. Not one image was provided 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 2023-05-19
Company: EQUIFAX, INC.
State: OH
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:
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. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 1681c. ( a ) ( 5 ) section states : no consumer reporting 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. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy. 
I've tried to resolve this account with the reporting agencies but they have been driving me in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Southern Credit Recovery, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i send southern credit recovery a money order on XX/XX/2020 as long with a letter to notify when they recieve the letter and money order to remove this item from my credit report.i have the copy of the money order in full for the item and would like for it to be remove quickly because it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TX
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. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All these inquiries are fraudulent..I filled out for a loan and the inquiries came on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving multiple debt collections in the mail from credit card companies that I didn't applied for and now my credit is going down hill from it. I start receiving letters this month from it. I called the companies and they are not taking action for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TrueAccord Corp.
State: AL
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:
XXXX XXXX and their debt collector TrueAccord Corp. is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX XXXX XXXX agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

XXXX XXXX  response to previous CFPB complaint acknowledged the item is not mine, " XXXX  records indicate that after additional review of your case, the Account Safety team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within XXXX  next credit furnishing cycle, which may take between 30-60 days. '' XXXX has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows zero payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my DOD security clearance and employment. 

I have provided XXXX XXXX a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing XXXX 's own response from the previous complaint. XXXX is still refusing to remove this unauthorized item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: SC
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 am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX Have violated my rights XXXX 

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 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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 the information is inaccurate

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 2022-12-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
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 corrected for erroneous reporting in my file and are listed on my credit report. 
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 2023-05-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I supposed to get XXXX XXXX  in response to having XXXX  in my wallet on XXXX XX/XX/2020 at XXXX XXXX  UTCm snapshot time. I had XXXX XXXX  at snapshot time which I converted afterwards at XXXXXXXX XXXX CST time ( 5 hrs after snapshot ). 

Now Coinbase is refusing to give me my XXXX XXXX claiming that I converted it before snapshot at XXXX CST ( claiming it as UTCm time ). 

I have all information regarding my wallet. 
Please see the XXXX  where it clearly mentioned that I have converted my all XXXX  at XXXX to XXXX. Which means after XXXX after the snapshot. 

So at the time of Snapshot XXXX to XXXX I had more than XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX : # 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 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-05-21
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Thank you for reviewing my case. The overview : My experience of going through a conventional refinance application with Movement Mortgage and XXXX XXXX was miserable. It was during the height of the pandemic and my partner was a floor nurse dealing with Covid patients, but somehow, XXXX XXXX managed to make things even worse. The process started XX/XX/2020 and by XXXX, 2020, after countless requests for P & L statements and multiple " Changed Circumstance '' letters where the points incrementally increased every time from XXXX, to XXXX to XXXX with no word or explanation, I was effectively ghosted by XXXX XXXX who stopped returning my emails deep into the process. As an example of the type of client service he offers, there was also a 2-month delay from XX/XX/XXXX to XX/XX/XXXX for a simple " yes/no '' answer from a second-mortgage holder on subordinating the second. That said, abysmal customer service isn't why I'm reporting XXXX XXXX. My primary issue is the fact I paid {$500.00} for an appraisal he ordered for my loan application ( which as described went nowhere ) and when I reapplied for a loan with another broker, XXXX XXXX in XX/XX/2020, XXXX XXXX refused to release the appraisal, saying no such transfer was possible ( relevant email thread included ). XXXX XXXX assured me the previous appraisal was still good and there was no need to get another one. But since XXXX XXXX wouldn't cooperate, I had no choice but to pay {$520.00} for a new one ( XXXX XXXX, copy included ) so I could pursue the new loan. I should note that ONE MONTH later, I had my conventional refinance through XXXX XXXX approved. I had the same income, same circumstances, same pandemic going on, but no months-long games like XXXX XXXX put us through. My simple request is to be refunded the {$520.00} that XXXX XXXX cost me because he wouldn't simply convey the still viable appraisal to my new loan broker. Considering all the time, effort and frustration he caused my partner and me, I think he's getting off easy. And I hope this note serves to steer those looking for a loan broker in the opposite direction. He's a bad investment of time and trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
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: Personal information incorrect

Complaint:
The credit companies are not complying with their own policies in a timely manner.

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 2021-08-24
Company: SN SERVICING CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am about to have a hard time paying my mortgage payments. I am XXXX so I had where I was XXXX XXXX for people. but since our country is in this mess with the pandemic people are just spending money for this right now. I have a loan modification on my house but they gave me a interest rate of 5.125 %. I have told the mortgage that I have lost some income. I have ask them if they could adjust my loan and lower my interest since the interest rate today is so low. They just say no. They gave me no reason or willing to answer my questions about it just said no. But the mortgage company sent out letters saying they are willing to help people with their mortgage since we are in this pandemic. I have tried to talk to someone beside just a representative thinking maybe that they have more to do with the loans. But I just get a answer machine I leave a message about my loan no one calls me back. I know I will not be able to make my payments I have used all the money that I had. My XXXX check is not enough to pay the payment. That is all the income I have. I have things posted to sell if they sell I will have some money. I am willing to sell anything that I have to keep my home. My husband passed away with a XXXX XXXX. 
So I only have my income. I just need someone to help me. I have no family. It is just me and I don't know what to do. If you can help in any way I would be grateful. Thank You.

Company response to consumer: Closed with explanation