BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, a " Notice of Delinquent XXXX  Account '' letter was sent to me by Linebarger, Goggan, Blair & Sampson, LLC, claiming that I owe {$79.00} to the New York State XXXX XXXX. On XX/XX/2019, I sent a letter to the above named firm disputing the debt and requesting that they provide me with verification documents. 
I moved out of NY state in XX/XX/XXXX, so I have substantial reason to question the validity of the claim made. 
The firm did not reply to my request for verification. Instead, they send on XX/XX/2019, a " Second Notice ''. Both Federal and State ( NY ) law require that the collection activity stop once a request for verification has been submitted and remain in abeyance until such verification has been provided. This firm has violated those statutes and has not provided any such verification in reply to my request and is continuing the collection process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave Mortgage Company took over 2 months to process a refinance. I was not getting responses at times from the loan originator or the processor. I've contacted them many times through e-mail, phone, voicemail, portal, and even once by fax with no response. During that process the rates had changed and I wanted to match what others had quoted me and the numbers for AmeriSave kept constantly changing. I eventually had to get an accountant involved and another lending company. 

On the day of closing the numbers were incorrect and we had to reclose again with a different ( higher ) rate than previously agreed. 

They also promised an online payment portal which does not exist. I am not able to track my mortgage at all except a bill I get once a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: U.S. BANCORP
State: GA
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 used a US Bank XXXX XXXX on my XXXX account as payment. XXXX  did an auto-charge every month for their services. On XX/XX/XXXX I notice the usual charge of {$13.00} on my statement, but there was a duplicate charge of {$13.00} onXX/XX/XXXX. One of the charges was legitimate and I made payment of {$13.00} on XX/XX/XXXX. US Bank add a late fee of {$13.00} on XX/XX/XXXX and added {$2.00} interest being the balance to {$29.00} of My XXXX  statement only has one change of {$13.00} so US bank add additional an charge and fees and refused to correct the account. I canceled my US Bank account, and paid the illegitimate balance to avoid hurting my credit score. This bank is stealing money from their clients.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested a dispute with Experian about a collections account now numerous times and they refuse to remove it from credit file. I have attached a copy of a letter sent to a collection account on my file that I dispute. The name is XXXX XXXX XXXX and, the account number # 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 2023-02-21
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-25
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:
To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I CALLED FOR DISPUTE AS A XXXX PERSON AND WAS REFUSED A CHANCE TO XXXX  AND WAS FOUGHT WITH WHEN I COULD NOT XXXX HIM. 

HE WAS VERY RUDE AND NASTY AND TOLD ME TO CALL BACK. HIS NAME WAS XXXX AND SO RUDE. 

AT FITST HE SAID NO ONE HAS HABD SETS AND HE SAID HE FINALLY GOT ON A HAND HELD PHONE BUT IT WAS HORRIBLE. 

HE DID NOT CARE AT ALL. 


HE WAS ABOVE RUDE AND VERY NASTY TO ME. I HAVE IT NOTED ON MY ACCOUNT, NOW THE SECOND PERSON IN DISPUTE IS REFUSING HELP TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-04-26
Company: EQUIFAX, INC.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-01-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$780.00} {$780.00} Payment Info Original loan amount {$780.00} Balance {$780.00} Status date XX/XX/XXXX -- -- This popped up on my credit report and I didn't receive proper notification to be able to be properly dispute this. I have been residing at XXXX XXXX XXXX and we do not have any XXXX XXXX XXXX, we don't have service due to being in rural area.

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 2022-10-11
Company: MECHANICS BANK
State: NY
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:
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
I have been attempting to cancel my experian credit tracker account for two days. To cancel my account requires a telephone call as experian will not allow cancellation by any other means. I have been on hold for over three hours on each call I have made. There is no option to speak with a live person. There is also no information during the call that I am in line or how long the wait time will be. Its fairly clear that this is a common issue based upon an internet search of Experian where hundreds of people have reported the same problem with average wait times of 2-4 hours. My call have been placed on XXXX and XXXX. I am currently on hold as I type this. I have been on hold again for 40 minutes. My Membership ID is 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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized

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 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I started speaking with XXXX XXXX XXXX # XXXX to start a refinance with cash out. Over the next few days we communicated back and forth about the process. So at one point he tells me I am approved. I end up asking him MULTIPLE times if I was approved. He told me specifically that I was and that he was surprised. I felt uneasy. He then proceeded to tell me I need to pay XXXX dollars for appraisal. I told him that I shouldn't have pay out of pocket for that since I was already usung Newrez for my mortgage. He told me I could just put it on a credit card and pay it off when I got my cash from equity. I told him I didn't have it and he asked if I could pay XXXX dollars towards appraisal ( after he 'spoke to his manager ' ) and XXXX dollars towards another cost. I reluctantly did so. Now if he ran my credit he would have seen that I didn't qualify for cash out immediately due to my middle score not being at least a XXXX. So at this point he assured me I was approved and then took payment information. Then next day an appraisal was scheduled. Then the following day it was cancelled. I did read non refundable, however in the same paragraph it says I am allowed a refund due to being denied. He knew I would be denied and LIED. After this I tried reaching out to him via voice message and email several times ultimately being ghosted by him. He lied about my approval and took my monies knowing I wouldn't be approved in the first place. Then he would not return my phone calls or emails. I found out about the denial through the title company they used. I am due a refund. This was a scam from the beginning!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My information was breached in XXXX  data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't 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