BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/XXXX. My tax bill for XXXX was {$2300.00} and was paid at closing in my closing costs as an escrow account was set up. My XXXX tax bill went up to {$3300.00}. I only have summer taxes, no winter taxes as shown on the tax bill that was provided to UWM prior to closing. They have increased my mortgage payment from {$1100.00} to {$1700.00} and are stating that my tax amount is {$5700.00} and that the increase is due to the tax increase plus the shortgage. That is completely incorrect. I have spoken to 3 separate representatives and no one will fix it. I can not afford a {$600.00} increase in my payment because of their XXXX up. My escrow account should only be short by about {$1000.00}, and the increase in my total payment should only have been {$84.00}. I am a former employee of United Wholesale Mortgage and apparently this is a known issue that they refuse to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Their investigation did not fix an error on your report

Complaint:
I paid off XXXX XXXX on XX/XX/2022 which should reflect a {$0.00} balance and closed however Equifax is still showing a balance and the account is incorrectly reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2022-10-04
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 status incorrect

Complaint:
My experience with XXXX has been terrible even though my car loan was current for the last 60 months of my car loan. I experienced late payments with XXXX as early as XX/XX/XXXX due to being unemployed. I was able to get back on track and kept the payments current until it was paid off in XX/XX/XXXX. I paid all of the high interest and even at the end of my loan in XX/XX/XXXX I still owed {$5600.00} which I provided them with a check and paid the car off. XXXX had not reported a late payment any late payments since XX/XX/XXXX. Well that all changed when I paid off my car loan. Here are the chain of events. 

*Account opened XX/XX/XXXX XXXX date of delinquency reported by XXXX XXXX XXXX XX/XX/XXXX XXXXAccount brought current XX/XX/XXXX and never reported late again by XXXX XXXX XXXX to any credit bureau *Loan paid in full at the end of loan XX/XX/XXXX total paid {$5600.00} XXXX XXXX XXXX XXXX XXXX update my credit reports with updated information regarding my account status. Status updated by XXXX  DEROGATORY PAID WAS 90 DAYS PAST DUE *Credit Bureaus have since updated my account as Negative with a late payment made in XX/XX/XXXX with an anticipated removal date of XX/XX/XXXX Why is XXXX  XXXX XXXX allowed to report negative information in my credit file once I pay my loan off in good faith? Why is this company allowed to report negative information from XX/XX/XXXX until XX/XX/XXXX? How is derogatory information being reported for longer than 7 years? 

I have contacted XXXX and have encountered unhelpful employees and it turned out to be a horrible experience. As a consumer who has paid their loan off in good faith, why am I having to deal with this? Why hasn't XXXX removed the information from my credit file all together when the loan was paid off in XX/XX/XXXX? I have been disputing this information for a year with countless of letters to the credit bureaus and emails to XXXX with no resolution. It will be 7 years in XX/XX/XXXX in which this company would have been reporting derogatory information on my credit report regarding this loan. There is no reason for a company to add negative information to someone's credit file after the loan is paid in full. This is unfair practices and my last final recourse will be a civil suit if we can not come to a resolution and have the account removed all together. 

How is this action by XXXX legal or even moral for that matter?

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 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
Under the Fair Credit Reporting Act, my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the list of accounts provided. I directed Equifax to conduct a reinvestigation into the following accounts : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX Equifax keep sending a computer generated letter stating that everything was accurate and complete. This assertion raises questions, especially considering discrepancies in the open date, date of last activity, and other details. According to 15 USC 1681i ( 5 ), these agencies are obligated to modify accounts that are not accurately reported. 15 U.S.C 1681, Section 602 A affirms my right to privacy. In Section 604 A, subsection 2, it stipulates that a consumer reporting agency can not furnish an account without my written instructions. Section ( a ) ( 5 ) of 15 U.S.C 1681c states that no consumer reporting agency may include certain adverse information in a consumer report, excluding records of convictions of crimes that antedate the report by more than seven years. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Furthermore, it's evident that the credit reporting agencies are not in compliance with Metro 2 credit reporting standards. I possess evidence supporting my case. I am a victim if identity theft and Equifax data breach. I have attached a copy of the police report as well as a copy of the email were Equifax sent me a check for my personal information being apart of the breach. Despite requesting an independent discretion and providing all necessary documentation to prove the proper verification of these accounts, I have received neither. Instead, I received another computer-generated letter devoid of any supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Media Collections, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I received a bill from Joseph , Mann & Creed ( Debt Collector ) for a bill due to XXXX XXXX for some service done with statement date XX/XX/22 at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Last year at this time, I resided in New Jersey. I have absolutely no associated to this address and have the documents to prove my residency. I spoke to the debt collector and they also confirmed that birthday of this XXXX XXXX XXXX did not match my birthday. They recommended me to file an online report to have investigation done if someone is impersonating my information or they just somehow have the wrong XXXX XXXX and got my information illegally. 

Please investigate this matter further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
*Contacted Specialized Loan Servicing requesting payoff of total balance owed on XX/XX/2019. 
*Request to Specialized Loan Servicing was sent via certified mail, and return verification of receipt of the request was signed by Specialized Loan Servicing XX/XX/2019. 
*Received a phone call from Specialized loan Servicing XX/XX/2019 requesting documentation of identity and ownership of property. 
*Requested documentation required by Specialized Loan Servicing was mailed XX/XX/2019. 
*No response to request of payoff amounts have been received. 
*Specialized Loan Servicing states on their web site that payoff quotes are typically provided in 5 business days. Thus far, we are close to 90 days without any response as to the payoff amount on the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: OK
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 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 2018-04-12
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.

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 2023-10-20
Company: EQUIFAX, INC.
State: MA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-06-07
Company: Experian Information Solutions 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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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

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 2022-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 Has violated my right to privacy. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15. U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX XXXX XXXX {$310.00} Charge off REMAINS *XXXX XXXX XXXXXXXX {$0.00} Acct REMAINS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a long time customer of Citi with an excellent payment history. Last XXXX I purchased a home and I needed to use my credit cards for some time until I received my bonus this XXXX. I knew that I would be able to pay the debts I was accumulating, and I was paying on time and the correct amount throughout all of this on all of my accounts. When I received my initial bonus I paid down my cards significantly - XXXX on one card and XXXX on another. As soon as those payments cleared my credit report was hit, my credit limit reduced by the amount I had paid, and my XXXX XXXX negatively impacted by the overall reduction of credit. The percent utilization of credit should have significantly reduced, particularly since these were not the only cards I was making significant payments on ( I paid another XXXX on a different card ). There was no reason to execute this action. I called Citi and attempted to resolve the problem and get my limits reinstated, and even after escalation I was told that there was no point, that it was their policy to do this to their customers and my limit would never be reinstated. I attempted to resolve this through a dispute through XXXX, since they told me to take it up with XXXX, but Citi ignored my argument and just confirmed that the information regarding my account was accurate. Let me repeat, I am a long time cardholder in excellent standing - the only thing I did was utilitize the credit I had been given, and then paid down the balance in a large lump sum! Why should I be punished with a credit limit reduction for that with no cause whatsoever to take any action. My credit score has already increased because of the other payments I have made, and would be even higher had Citi not reduced my credit limit so dramatically. I simply want my credit limits reinstated in my cards. 

I will note that I have seen XXXX  complaints about this exact situation and Citi makes no attempt to work with their customers on this issue.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

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 2023-10-19
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage was reported as late when it was paid off and closed. Disputed on experian and they stated that was it not accurate. Provided screen shots of account and no response.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: DC
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:
My child support which is now closed has a collection status with Experian and no other reporting from either XXXX or XXXX. It's showing as current. In the comments of Experian 's reporting it reads, Current account/was a collection account, insurance claim or government claim or terminated for default. What does this mean? This is completely inaccurate information and must be deleted immediately. There is no Payment Status whatsoever as my child support is closed and there is no indication of collections ever existing on it. The letter sent from the XXXX Department of XXXX XXXX states, There are no past due payments outstanding. 

CHILD SUPPORT ENFORCEM : 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