BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that i have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2017-05-05
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am very unsatisfied with the service that I am receiving from your company regarding my first home mortgage loan. I am in the process of relocating and purchasing a home in  GA. T his has been my dream for the pas t 10yrs. H owever, this has been a complete nightmare with your company that has caused me to lose monthly income and threaten my employment. This whole process begin  in   XXXX    2017. I understood that the home buying process was stressful but dealing with your company  's processing incompetency has magnified the taxation on my health and financial obligations. Everyday there is something new that needs to be verified that I have already provided. My income a nd DTI h as be recalculated numerous time by different people in your department and each person comes up with a different number which starts the request for documentation all over again fro m step 1. Clearly there is a failure of communication in your company. I have done my due dili gence and sent every document over that I was told was needed to close this loan but as of toda y   XXXX   XXXX   2017 I hav e received nothing but complete inconvenience. I 'm being lied to and given misinformation on a daily basis. Yesterday, I was told by  Branch Manager   XXXX   XXXX , that everything was set and I would be receiving documentation to finally close on the loan approval. Needless to say, I have not received anything since the phone call him and I had yesterday afternoon. I have been calling him consistently to find out what happen to the final documents I was supposed to sign and to no avail I have n't been able to get in contact with him. This has been a disaster for me in all areas of my life. I wish I would have went with another mortgage company who was more trustworthy and consistent with the loan process.       Update : I just got a call from a  XXXX   XXXX  who is supposed to be a branch manager in   SC  t hat called me to question me about even more letters. I am very frustrated to tears. He started yelling at me, cutting me off, being rude and hung up on me. I am being discriminated against. Is this a real company??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Experian/XXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to XXXX and they are reporting the two late payments that are 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 depressed 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 explanation
Consumer complaint received 2023-10-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Send me a copy of any subpoenas or any summons that was sent to any company in association with this case in addition send me a copy of the subpoena or summons that was filed in or around XXXXXX/XX/2021 send me a copy of any and all correspondence you received from XXXX XXXX or any other attorney in reference to this mortgage This is a cease and desist order stop sending my personal information my responses or any other information to anyone who claims to be my attorney they do not have my authority to do so and I want a copy of what they sent you instructing you to forward my information to them versus me the homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: MI
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: NEXA Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Not sure what happened, I just know that I lost my earnest deposit and didn't close on the property I waited 4 months for. My realtor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ga and XXXX XXXX loan officer with Nexa mortgage didn't keep me posted with any new information regarding this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX 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 2017-05-05
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Arkansas  XXXX ,  Re   :  XX/XX/XXXX   letter from  GMAC on  " NOTICE OF RIGHT TO FORECLOSE "   XX/XX/XXXX   from  XXXX   XXXX   XXXX ,  GMAC loan  #  XXXX  /  XXXX   XXXX   XXXX  ) It was a sub-prime loan 2 )  XXXX  on firs t mort. 3  )  XXXX  on HELOC  ,4 ) I t had an ARM teaser rate for 2 years and then went up {$400.00} per month  5 ) It   was a conventional loan with no default protectio n ,6 ) I t had a balloon payment of  XXXX  at  XXXX  yrs. maturity when I will be  XXXX  yrs old! ( Called packing in the industry )  7 ) T he loan in question appears to have been premeditatedly designed, engineered and deliberately fabricated for failure knowing I would never live long enough to satisfy the debt!  8  ) When one looks at the scenario ; it is  RACIAL PROFILING & P REDATORY lending of the highest order on the elderly! Today I am an  XXXX   XXXX   XXXX   XXXX   XXXX  Veteran of the  XXXX  (  XXXX  ) with an   XXXX   XXXX   who would like to spend what time I have left in my home of  XXXX  yrs! A  XXXX   XXXX  to evict me from my home on was issued    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax is reporting a high credit of {$0.00} and this is absolutely wrong. Equifax is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. Equifax and XXXX are also reporting a different date last active and date of last payment. Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using Eoscar to verify this information and clearly Eoscar isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with Equifax and this is inaccurate. XXXX is reporting an account detail lease and Equifax is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. Equifax is also reporting credit limit of {$0.00} and this is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
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: Information belongs to someone else

Complaint:
I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX Balance $ XXXXDate Opened : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Silverman Theologou, LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss chapter XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: IL
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter stating I owe {$75.00} dollars to XXXX XXXX Hospital in XXXX XXXX, Ca. 
Date is showing XX/XX/2016 This is a first for me. This account is now assigned to U.S Asset Management by Eos CCA. all ownership rights have been sold.Wi I need some proof. I have proof for this date they are claiming. 
I do not need this type of stress for {$75.00} dollars. 
I am on Social Security also recovering from XXXX XXXX XXXX. 
I do not need this company ruining my credit or making numberous calls. 
The letter I am enclosing does not state the legal saying Attempt to collect a debt etc. Is this a violation of my rights under the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.

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 2023-05-19
Company: EQUIFAX, INC.
State: NC
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 was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

Company response to consumer: Closed with non-monetary relief