BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage  acknowledged they made a mistake and combined both our loans ( one is our primary home and one is a rental ) in XXXX of 2022. They also acknowledged they switched the loan numbers and failed to pay taxes on both properties. They also contacted the insurance companies and asked them to update the loan number attached to the address to the WRONG address. They acknowledged all these mistakes and more HOWEVER, it is XX/XX/2022 and these problems have not been rectified. HOW LONG DOES IT TAKE TO ASSOCIATE THE ADDRESS WITH THE CORRECT LOAN NUMBER AND PARCEL NUMBERS? HOW LONG DOES IT TAKE TO DO AN ESCROW ANALYSIS TO INSURE THE HOMEOWNER DOESNT HAVE ANY MORE MONEY STOLEN FROM THEIR ESCROW ACCOUNTS DUE TO AN INTERNAL PROCESSING ERROR BY AMERIHOME?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
This is my NUMEROUS 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXL Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: CMG MORTGAGE, INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a cashier check to pay off my loan with CMG Financial Mortgage. The cashier check was for {$170000.00} to pay off loan of {$170000.00}. I was expecting money back for the difference. I followed their instructions on where to mail the check. Because of blizzard in New Jersey the check arrived on XX/XX/XXXX or 15 days after I mailed it. The instructions said that if check was not in full that they would make up the difference with the escrow on my account. It was 15 days late and instructions said I would be charged {$21.00} each day it was late or {$320.00}. I should have been charged the original payoff of {$170000.00} plus $ XXXX {$170000.00} minus the {$170000.00} of my cashier check and they should have taken off {$66.00} from my escrow account. What they did was sent me back cashier check with letter that said I was short of the payoff amount. 
They caused me a lot off stress so I ended up paying off the amount of {$170000.00} by wire transfer on XX/XX/XXXX. This delay cost me more money. If they would have taken my cashier check on XX/XX/XXXX when it was received as per USPS then it would have been taken care of then and the amount due of {$66.00} would have been paid with the escrow funds in my account. There was over that amount in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2019, I receieved a copy of a Summons that was sent to XXXX XXXX XXXX XXXX Ill, I don't have a bank account with them. This bill is about 12-15 years old in Illinois the city of XXXX they are still allowing them to try to collect on this credit card is this legal or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: VA
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:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws.

My information was compromised in the XX/XX/XXXX Equifax Data Breach and I have made that very clear to Equifax.

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX XXXXXXXX. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because XXXX  XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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 is missing that should be on the report

Complaint:
I have a bunch of inaccuracies on my credit report. All 3 late payments have inaccuracies that don't match with all the credit bureaus. 

XXXX XXXX XXXX XXXX account number : XXXX open dateXXXX closed date XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavilable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX XXXX  account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX XXXX : XXXX  account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Equifax : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all XXXX bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a credit card account with chase card services www.chase.com for almost 20 years and I have been paying 5.90 % annual interest rate. I have never missed any payments and I pay a lot more than the minimum payment. I am on social security XXXX now and I use the credit card to buy stuff online and have it delivered to my house for XXXX accommodation. The problem is suddenly .... Chase has sent me an IMPORTANT CHANGES to your account notice ... They are DOUBLING my interest rate to 10.74 % interest per year! They claim that my interest rate is BELOW the LOWEST APRs that they offer on similar accounts. My 5.90 % interest rate is the lowest evidently on these SIMILAR accounts BUT they are saying that 10.74 % interest is what they RECOGNIZE as the lowest APR on these SIMILAR accounts so they can almost unfairly DOUBLE my interest rate with double talk. 

I am already having trouble paying the bill each month. I will have to see a bankruptcy lawyer if they double the interest rate. I am supposed to be entitled to an equal opportunity for credit but they are doubling my interest without any missed payments or problems. I pay by phone or on their website now to make sure I have a receipt for the payment. I started paying online just a couple of months ago and now they are wanting to double my interest rate. Please help me from going into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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:
Equifax credit reporting agency refuses to remove 3 fraudulent inquiries from my credit report. 

XXXX XXXX/ XXXXvisa - XX/XX/2019 They removed fraudulent account but they are refusing to remove inquiry. 

XXXX/XXXX  - XX/XX/19 XXXX XXXX send a letter to equifax To remove fraudulent account and inquiry. 
Although equifax removed account, they refuse to remove inquiry. 


XXXX XXXX XXXX XXXX - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: OK
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB Complaint in response to the recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However, I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the accounts below. 

XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} My previous appeal for you in order to present me along with the details as to the person you talked to such as the addresses and names of the person or persons approached has regretfully not even been accomplished. After all this, I'm thinking about court action and then have established the operation of contacting legal " recommendation ''. I am inquiring for one final time that you still generate me by making use of the important information that has been recently questioned and of course make sure to produce me with a copy of the deal signed or voice chat where I signed up charging me in this particular account. If not you are required to remove this from my credit report according to the Fair Credit Reporting Act and the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance Owed : {$490.00} This Account was already deleted from the other Credit Reporting Agencies . You do not have the rights to continue this erroneous reporting and need to stop immediately. If the Credit Bureaus did the same actions to verify this account, how come this account was deleted from the other Credit Bureaus and still be reported in your Credit Bureau? According to Fair Credit Reporting Act, the Credit Bureaus are required to report accurate information. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX  XXXX Balance Owed : {$9700.00} How many times do I have to tell you that this alleged repossession account is reporting erroneously? This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I inadvertently sent {$1700.00} intended for XXXX XXXX to Ally Financial who I had a car loan with ( paid off in XX/XX/XXXX. I have contacted them 7 times and have been on the phone with them for over 4 hours and they will not return funds, will not return calls, will not provide a status update, will not provide any resolution or path for me to resolve this. XX/XX/XXXX web based transfer from my credit union to Ally. I have a confirmation no. from Ally XXXX concerning my complaint. My former auto loan no is 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 2022-11-09
Company: EQUIFAX, INC.
State: GA
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:
Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting XXXX XXXX XXXX, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief