BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions 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:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX  has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX XXXX  offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

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 2023-08-10
Company: EQUIFAX, 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX THEY ARE NOT ACCURATE!!

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 2023-08-10
Company: EQUIFAX, 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:
Im still having problems with Equifax and their accuracy in reporting correctly for a XXXXXXXX account. The balance is incorrect as well as the payment status. I reopened the investigation and provided supporting documentation. I demand correct reporting now as they have done nothing to correct my report despite all of the verification Ive provided. I am in process of purchasing a home. If their incorrect reporting interferes with my ability to close, they will be hearing from my attorney. Theyve had more than XXXX days to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Thrivepoint Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MD
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: LA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: OR
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Recieved a text message from Bank of America stating " congratulations on your business account, you have been approved. you will be sent our welcome package in the mail ''. i called bank of america to let them know this if fraudulant. XXXX accounts had ben opened, XXXX business accounts, XXXX credit cards.

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 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
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 USC 1681. 

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 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 Any other adverse item 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has listed inaccurate unverified information on my consumer report. They have listed unverified inaccurate and fraudulent evictions from addresses I've never lived. I have contacted the XXXX XXXX XXXX and XXXX XXXX XXXX and they have informed me that the cases filed belong to a XXXX XXXX with no SSN social security information provided. This is obviously someone else with the same name as me. This is also a direct violation of my rights under the Fairs Credit 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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Company repeatedly misapplied loan payments, wrongfully foreclosed on homes and illegally repossessed vehicles, incorrectly assessed fees and interest. 

Fees added incorrectly

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 2023-12-26
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
After 3 years of working with the lender to obtain a loan modification to save my home from foreclosure, on XX/XX/2023, the lender offered me an approved Loan Modification XXXX with a XXXXmonth Trial payment Period Plan. The terms of the trial payment plan were that If I accept the offer, and make payment for XXXX months ( XXXX, XXXX, & XXXX ), the lender will send me the final loan modification document to sign, and the new loan payment term will be final. I accepted the offer, and I made the payments for XXXX, XXXX, and XXXX. I wrote the lender on XX/XX/XXXX requesting the Loan Modification document so I could sign - The lender never responded to my written request. I have made multiply calls to the lender, it is now XX/XX/XXXX, and I have yet to receive any loan modification document from the lender to sign, nor has the lender sent me any written communication to inform me of the status of the loan form or when I will be receiving the forms to sign. I am requesting that the lender send me the final loan modification documents to sign per the terms of the approved loan modification plan they presented to me on XX/XX/2023.

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 2023-08-10
Company: EQUIFAX, INC.
State: FL
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have an open Conventional first mortgage account with Wells Fargo, however they are reporting the account as paid and closed as of 2013. I am a co-signor on the note and show on the monthly mortgage statements. I have tried to dispute with the credit bureaus and Wells Fargo, but they continue to report the account closed. I would like the account to reflect accurately as open with a current balance and positive payment history.

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 2023-11-16
Company: EQUIFAX, INC.
State: NC
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:
Equifax Information services is reporting XXXX XXXX account ending in XXXX on my credit file with a balance of {$11000.00}. This is inaccurate and false. I do not have a XXXX XXXX account with such a balance, and it also shows more than 4 late payments, which is also inaccurate. I called the equifax representative today, the fraud department, and the representative told me he already had a copy of my ftc report with the account in question on it. he informed me that he will remove this account, but i do not see a dispute raised to remove the account. I also called XXXX XXXX today on two occasions but they refuse to answer my calls. this has happened in the past also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name -XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
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 USC 1681.

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 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 Any other adverse item 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
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 USC 1681.

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 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 Any other adverse item 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 2023-08-10
Company: EQUIFAX, INC.
State: MN
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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 # 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 response to consumer: Closed with non-monetary relief