BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was holder of a foreclosed junior lien on a home. The senior lien held by Mr. Cooper ( aka Nationstar ) was in the foreclosure process with a redemption date of XXXX XXXX, 2023. When the previous homeowners did not redeem from me for my lien I contacted Mr. Cooper XX/XX/2023 to work on financing the home through them. I talked with XXXX XXXX and I made it clear of the redemption date. I was then transferred to the refinance department where I was working through the refinance with XXXX XXXX and his supervisor XXXX XXXX. I continued to bring up the redemption date as Mr. Coopers underwriter continued to stall the refinance with demands that I complete work on the home. XXXX XXXX informed me over the phone and in email that the home was not in foreclosure and all I needed was to complete the refinance. 
Needless to say on XX/XX/2023 I received a letter that I missed the redemption date and I lost all rights to the home. I called XXXX XXXX and XXXX XXXX and was told that it was my fault for missing the redemption date and because I no longer had rights to the home they were canceling my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Convergent Resources, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.

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 2023-01-16
Company: Revco Management, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a XXXX XXXX XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX in XXXX Ohio. I was admitted XX/XX/2018 and discharged XX/XX/2018. I never left the hospital and all of my care was received inpatient. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX visited me at bedside as required, he was the attending physician that day. As a XXXX patient, I was covered by both XXXX XXXX XXXX and private insurance. He submitted a bill & was paid as follows : XXXX XXXX Billed to Insurance {$9300.00} Insurance Covered- {$8800.00} Remaining Responsibility {$450.00} Coinsurance {$450.00} XXXX XXXX XXXX Billed to Insurance {$450.00} Insurance Covered {$0.00} Remaining Responsibility {$450.00} Not Covered {$450.00} The {$450.00} was not paid by XXXX XXXX because his office submitted it as an outpatient visit and my insurance company rejected it because I was inpatient and it was part of the my care billed above. 

Despite numerous calls, letters, conference calls, etc between me, the doctor 's office and the insurance company, his office refused to correct the billing code which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ( CPT ) so my insurance would not pay the bill. They also state this is an attempt at " balance billing '' which is not permitted. 

The result was that the bill was then sent to me, I again tried to explain the problem with the coding to no avail. The debt was sold to a collection agency where it still is today. 

I do not owe this debt. This is a medical debt and should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: PLANET HOME LENDING, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Planet home lending regarding a {$190.00} payment increase to my loan. Through their automated system they state they paid my homeowners insurance {$4700.00} when the actual cost is {$970.00}. I spoke with customer service rep XXXX about the amount, which she was not able to help with, and she stated the reason for the increase was a review in XXXX of my escrow. She stated my tax payment increased by $ XXXX, from {$260.00} to {$290.00}. I then inquired why in the world they would be taking $ XXXX almost {$2000.00} in excess of that increase? My mortgage payment went from {$1100.00} to {$1300.00}! 
It is NOT ok they take my money to sit on needlessly beyond justification of assessed taxes and insurance. I requested proof of what has been paid through my escrow and she stated she would email me the document. I never received the proof of payment from escrow, and they are still withdrawing the excess in escrow until this is rectified. Taking XXXX  times the amount needed is embezzlement of my funds and abuse of their ability to do so in conducting business. I am concerned this has happened to other veterans, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed this account online through the credit bureaus to have it removed. Account shows as closed but this account shows delinquent payment for XX/XX/2012. Account should be removed from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX  - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX, XXXX XXXX  - Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written or verbal instructions or permission to share my account information.

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 2020-07-09
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello. I closed on our property on XX/XX/2019. At the time of closing we were charged {$3700.00} dollars for Mortgage Insurance Premium and issued a FHA case No XXXX. We recently tried to do a Streamline Loan and was told that they dont show that we have an FHA loan. I contacted the FHA and they said they never received a payment for the loan. I have made several attempts to contact Eagle Homes who I purchased the property from as well as the closing company Cal-Atlantic and gotten a total run around. No one returns my calls or can provide me any insight as to what happened to the money. In addition, when we closed we choose XXXX for our homeowners insurance and have the documents signed stating a check would be disbursed to XXXX. A month later we were notified by XXXX that they never received the payment. Eagle cancelled the payment to XXXX and assigned insurance to another company of their choosing. We had to pay the premium out of pocket until the other insurance refunded the money. This caused our mortgage payment to increase because we were now at a deficit. I believe Eagle Home Loans has violated fair practice laws and willingly with holding our funds. 

XXXX and XXXX XXXX XXXX, FL, 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 2023-10-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-12-06
Company: Experian Information Solutions 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:
Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 2023-08-30
Company: EQUIFAX, INC.
State: NM
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:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounts. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate accounts from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-11-15
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: IN
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 in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXX XXXX {$990.00} # XXXXXXXX XXXX XXXX {$350.00} # XXXX, XXXX XXXX XXXX XXXX {$5400.00} # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} # XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TFS FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to get on the forebarance plan with Third Federal. They offered me three options. With 2 options my credit would be negatively impacted, with the third, they would accrue interest during the forbearance plan, which directly violates the CARES act. I have recorded my conversations with the bank as well, for proof. 

I also was denied a modification. They ran my credit several times unnecessarily, so I am now in a worse position ( lower credit score ) due to the hit my credit score took ( because of their inquires ) They don't care about their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 response to consumer: Closed with explanation