BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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 XXXX # 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 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 2023-03-30
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against Celink and they claimed in their response that they took care of the problems ( XXXX ). Not only did Celink NOT resolve either of the original problems, they made it even worse with the criminal act of stopping payment on the check they finally wrote to me for {$9600.00}, which was payment of the insurance claim they had been holding for their own enrichment for eight, now nine, months. Celink wrote the check to me in order to answer my previous CFPB complaint and to claim that they had fulfilled their duty. Then they transferred my loan to another servicer, XXXX, on XX/XX/2021, and they stopped payment on the check! In California that is a felony! I deposited their check in my account in XXXX, but by the time their bank returned it to me unpaid, it was XX/XX/2021. When I tried to call Celink they refused to talk to me and said it is XXXX 's problem now and to collect the money from them. Celink is a deceitful and corrupt company. Before Celink transferred my loan they asked me to put my concerns about the false information they put in the CFPB reply in a letter to a certain address. I did that and Celink sent it back unopened with " Return to Sender '' on it. Celink illegally stole my money and then dumped the problem on the lap of a different servicer. Celink should not be allowed to stay in business. I will not let Celink get away with this, however many who have reverse mortgages are older folks who fall victim to these predatory tactics and lose their homes and their money to unscrupulous businesses like Celink. In addition, Celink never corrected their serious error of filing an unjustified and false foreclosure notice on the property. As executor, I am selling my family member 's estate. Celink filed a foreclosure without any notice at all, without any cause ( there was no money due at that time ), and in violation of my approved HUD Covid protection against foreclosure action. It is my belief Celink was deceptively trying to take the house and sell it at auction, which was their threat to the estate. Because of Celink 's predatory actions and the notice of foreclosure and impending auction that is listed now on realtor 's websites ( because a notice of default was filed with the county ) the estate has not been able to sell the house and close this account. We reduced the sale price of the house by {$150000.00} from the value assessed by the probate court appraiser. This is all because of a phony foreclosure filing by Celink! Celink 's actions have created a financial hardship for the estate. Celink should be investigated for predatory and illegal activities. Please post this on your website as a warning to others. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ERC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ERC keeps calling my cellphone number to collect a debt for a XXXX XXXX. There is no XXXX XXXX at this number and there has NOT been a XXXX XXXX at this number for over 20 years as I have had this number for 21 years. Every time they call, I have notified them that they have the WRONG number, that there is no XXXX XXXX at this number, that I don't even know a XXXX XXXX, and ask them to stop calling. Yet, the repeatedly keep calling me over and over asking for XXXX XXXX. In addition, when they call they do not identify themselves or the company. There is no caller ID either. The repeat calls are annoying and getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that one particular account on my credit report was incorrect when I reviewed it again. 
Here is the aforementioned account : XXXX XXXX XXXX XXXX : {$10000.00}

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please stop ignoring my rights to privacy and to have misleading items removed from my report FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Complaint is against my mortgage servicer XXXX XXXX. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to COVID-19, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting  for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD  and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last 6 weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I closed on a new home with XXXX XXXX XXXX XXXX XXXX as my lender. The mortgage was subsequently sold to Dovenmuehle Mortgage. The closing disclosure dated XX/XX/2021 clearly states that I elected to waive escrow for my homeowner 's insurance and property taxes, and that only my flood insurance would be escrowed. XXXX XXXX XXXX XXXX XXXX told me that federal law required them to escrow my flood insurance premium, although I am not sure that this is true as in subsequent conversations their employees have made contradictory statements. In any case, the annual flood insurance premium is only {$490.00}. On page 4 of my closing disclosure it is clearly stated that a {$41.00} monthly escrow payment is all that will be charged to cover this. 

For the first few months the monthly charge was correct and all my payments have been made on time. But today I received a notice that my upcoming automatic payment on XX/XX/XXXX will include {$270.00} in escrow charges. I also received a separate piece of mail from them indicating that my escrow account was at insufficient balance to cover my homeowners ' insurance. I already paid my insurance company the full first year homeowner 's premium upfront at closing, and again the closing document clearly states that only flood insurance shall be escrowed as future homeowners and property tax payments will be made by me directly. To me this is a blatant breach of our agreement and an attempt to overcharge me. 

I also find it interesting that when I contacted XXXX and asked how they possibly could have mistakenly tagged my {$41.00} monthly payments as homeowners ' escrow rather than flood since flood insurance is required to be escrowed by federal law, the representative indicated that this is not true since my home was not in a flood zone at the time of closing. This directly contradicts what the mortgage officer who closed my loan told me. While I am alright with escrowing flood insurance, I would have preferred not to and only did so because XXXX told me it was a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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

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 2023-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have Contacted you Experian National Consumer Assistants Center multiple times and asked them to investigate & remove the inaccurate accounts from my consumer report that you are illegally reporting. 

I have requested specifically the alleged ORIGINAL CARBON COPY application bearing my signature, EXPERIAN have not been able to provide such PROOF to me. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear VIOLATION of my consumer rights under 15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

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

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are VIOLATION According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between XXXX XXXX and XXXX XXXX XXXX XXXX, be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 
TRANSACTION between XXXX XXXX XXXX XXXX XXXX XXXX be UPDATED to what is fair and equitable to me as a consumer, I request Accounts be UPDATED to, PAANL ( Paid As Agreed Never Late ) to my consumer report. 


INQUIRES : XXXX XXXX XXXX, is reporting inaccurate : XXXX XXXX, is reporting inaccurate 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 


I NEVER gave XXXX XXXX XXXX XXXX  WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTIFIED THEFT- I am a victim of identity theft 15 U.S. Code 1681c-2 A consumer reporting agency shall BLOCK the Reporting of any information in the file of consumer that identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt FTC Report 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
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is wrong information on my credit report in the company will not remove it. They told me that Ill have to call the people that did it & I dont know why because on their website it says to call credit Bereau . In nobody wants to help me in I sent in letters to them. In got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on 3 to 4 occasions by JP chase bank with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a single mother of XXXX  who was left with two foreclosures from a ex-husband who left my children and I XXXX  and no choice but to relocate to another state and start over. With seven years of that on your credit and having to start over as a single mother raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every six months this happens again and its destructive and destroying my life. I want every one of the three credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for 34 years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. Single frustrated Mom

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}

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 2021-08-13
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of purchasing a new home. Our mortgage company requested a Verification of Mortgage XXXX XXXX XXXX from a previous loan under Specialized Loan Services ( SLS ) Company. The VOM came back reporting 4 delinquent payments. These payments were all under the federal Covid forbearance program. The VOM does not have any dates to show these 4 payments were covered under that. The VOM does not qualify anywhere that these were approved missed payments. The VOM gives no mention the loan was even in forbearance. The underwriting Department for our new loan is insistent that SLS change the VOM to be accurate. SLS is insistent that they can not change it and have no way to add anything to it or even easily send a letter of explanation to go with the VOM. The only remedy SLS said we may have is by writing to them via post mail and wait for an answer. By then we will have lost the home and earnest money and all expenses to date we've invested in this new home purchase.

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 2022-05-04
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation