BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MS
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:
Most recent attempt to get erroneous information not accurate removed from my credit report. Equifax continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

XXXX XXXX continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my XXXX XXXX file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Mortgage company has up to this date, has never reimbursed me for fees they billed my account in error and validated it was their error. They acknowledged the mistake ONLY AFTER the CFPB was contacted with case XXXX. Each month they have given me the run around since XX/XX/XXXX and failed to provide me with the money. I have no other alternative to seek CFPB assistance in obtaining my money XXXX and would like to request funds with interest. I have been calling each month on the funds owed. Each month I have been advised they were processing the refund. In XX/XX/2017 I called, requested to speak to a Manager, but was advised there was no one to speak with me. The agent assured me the money would be transferred at the latest in my bank account by end of month XX/XX/2017. I was asked to provide my checking account and bank routing number. I am trying to bring my account current with an IRA hardship withdrawal but this company has done nothing to make their error, right. Please assist, this is the most unprofessional company I have ever had to do business with, thankfully there are agencies like this created to protect the consumer and track this companies dealings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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  Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # 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

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Billing dispute for services

Complaint:
I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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: Account information incorrect

Complaint:
this account a 30 day late payment on my credit report when it was never late

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 2023-02-01
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:
XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

XXXX is still reporting a monthly payment and balance for this account and Equifax and XXXX is not. They are also reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and XXXX and Equifax is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, XXXX and Equifax has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello I received a letter from Experian stating that a few collections that I disputed where deleted from my credit report and they where up until two weeks ago when an account that was previously deleted was put back on. That collection is XXXX for {$2400.00} Account # XXXX. Today I received yet another alert that a collection was added from XXXX that was previously deleted, Account # XXXX. I called in to speak with customer service and was treated horribly. I 've never had a problem with their customer service until today. She was very nasty and rude to me and argumentative towards me basically calling me a liar when I have documentation from Experian as well credit reports that shows these collections where removed. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to Experian and they will not delete this account either even though I have sent in documents stating that the account is paid in full.

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: NY
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:
XXXX XXXX account XXXX is a fraud account it supposed to be removed from my experian credit report my social security number is XXXX I filed a federal trade commission identity theft report on file please have experian remove the account in 24 hours

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 2022-11-07
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2017-03-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 submitted disputes myself to Transunion and they failed to respond within 30 days to my XX/XX/2022 letter and then on my XX/XX/2022 letter basically saying they claim I did not file my claims myself. I mailed the letters myself and attached my drivers license and social security number. See below the letter they sent. 


We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 
It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the informat ion on your TransUnion credit report at transunion.com/ repairletter. 
If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/ repairletter. 
You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve.

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 2021-08-12
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mid America Mortgage finally accomplished a new loan modification agreement which we signed at the end of XX/XX/XXXX. This took almost an entire year due to issues that they had with prior servicing company which ended with the other company barely giving notice and dumping all of the loans onto Mid America when they were not equipped to handle the load. Unfortunately for us, our loan was in the middle of a modification to our original loan. There were errors in the modification terms and Mid America sent them via messenger along with rest of modification. We chose not to sign that day due to questions about the price of modified loan. I followed up with XXXX XXXX literally I emailed him almost daily and I could not get a response. 6 months later after speaking with many people that work in different departments, I finally talked with someone who actually listened to what I was pleading. We did not refuse to sign and that was their reasoning for moving forward with foreclosure, they agreed to give us another modification which was signed in XXXX XXXX our XXXX payment was due in XX/XX/XXXX & I checked my account login and I was not able to access my online account & also be able to pay my bill there electronically. I began trying to reach them by phone and the hold times were & are extremely long. After several attempts, I decided to go ahead and mail the payment overnight to the P.O.Box, to get there on time.In XXXX, I sent several emails requesting that my password be reset as instructed and also requesting the loan modification dept to call me. I finally received a call and set up payment and during the time we spoke and the time they were to deposit the payment, my checking acct was compromised. I had to close account and I could not get through to them to ask them not to run check through that bank acct. this was urgent. I went to the bill pay tool on my new bank account and set up reoccurring payments in XXXX XXXX and they sent the new check. A couple of days later, I received a phone call from a female rep and she asked me what was happening and I explained all of the trouble I was having to get through to get my payments to them so she said she reset password link and ended call. I tried immediately to set the new password and it did not work. I tried to call back but didn't have time to hold. Then on XX/XX/XXXX I rcvd a call from XXXX. He worked on the loan mod and was familiar with our file. I gave him the XXXX # XXXX from the payment the bank sent and he asked me to cancel the one for month of XXXX and he would set it up to pay on his end. He gave me his confirmation # XXXX for {$2100.00}. Neither one of these payments has been presented against our bank account for payment and I am afraid that they are doing something to make us lose our home because they have made it so difficult just to make our loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: PA
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 XXXX I requested that Experian, remove information that is not only incorrect, but they have a fraud alert that is remaining on my account that should have been removed back in XXXX. I told you that my son lived at the XXXX address, and the XXXX address and you refuse to remove it. Since you are telling me that this is my address, please provide proof that XXXX XXXX XXXX lives at those addresses. 
XXXX XXXX XXXX is the only address that should be on my credit report. No other address. My name is XXXX XXXX XXXX No other version of my name should be on my credit report. 

If you can't provide this, please remove them from my credit report. My son XXXX XXXX XXXX lived there, not myself. 
Please remove the fraud alert that should have already been removed after 1 year that still remains on my 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 non-monetary relief
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: TN
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:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation