BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: LoanCare, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Sir/ Madam, This is to inform you that my Debt collector - " myloancare.com '' incorrectly reported delinquency on my account XXXX. The entire debt was paid in full on XX/XX/2023 with the remaining payment of {$47000.00} and calls were made to ensure that the payments were received by the debt servicer. The customer care XXXX confirmed over the phone call that they have received the payment and the lien release letters would be issued soon. I followed with another call after a month and I was advised that I would be given the letters soon however my account was report delinquent on XXXX and my credit score was impacted hugely because of that. I am in the middle putting an offer on a new home and I might be losing the house because of this issue. I tried calling the loan servicer and was assured to get this sorted and I would get a call back. I've called them multiple times now and there is no response from them. Could you please help me out in the situation. This is affecting my credit score, affecting me getting a new loan and needs to be rectified asap.

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 2022-08-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I mistakenly thought that I had another 6mos extension ( so I was told ). When I contacted the mortgage company, I was told that I was contacted via mail about the pending deadline. Dont remember seeing it come in the mail. 
My complaint is the company is making it very very difficult to work with. I was told that my forbearance was only 6 mos ( the mistake mentioned earlier ) and now I am being reported to credit reporting agencies. I was told that there was nothing that could be done about that. They would not let me pay online. The only way to pay is mail a check or call. I opted to call. I chose the call back option. I called between XXXX pm. My return call came at XXXX oclock PM! I missed it of course. Second call I chose call back, this time it was XXXX hrs!!! I then sent check through my banks bill pay. I sent it on the XXXX and the check bounced on the XXXX. I didnt check my account. I just assumed it had already passed. That is my fault totally. 
My main concern is Im afraid that the next time I hear from them, it will be the foreclosures department. Please advise Im helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX wrote a Wells Fargo North Carolina check payable to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX for the amount of {$980.00}. This is for an outstanding invoice XXXX for {$980.00} However the Wells Fargo check was misplaced or stolen and cashed at a XXXX XXXX XXXX on XX/XX/2018. Noone knows the signature on the back of the check. Don't understand how this is possible because the check is made out to XXXX XXXX XXXX. 

XXXX XXXX XXXX  went to the XXXX Police Department to file a report and spoke to : XXXX XXXX XXXX Administrative Police Officer  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX The main contact at XXXX XXXXXXXX has been the Accountant named XXXX at XXXX The main contact at XXXX XXXX XXXX has been the Accountant XXXX at XXXX. 

XXXX XXXX contacted Wells Fargo who stated that XXXX XXXX XXXX needs to file a complaint. And Wells Fargo told XXXX XXXX XXXX that it is XXXX   XXXX that needs to complain. So Wells Fargo has done nothing to help or rectify the situation.

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 2022-03-25
Company: Experian Information Solutions 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 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 2019-10-08
Company: Experian Information Solutions Inc.
State: NE
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:
Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between XXXX y Experian this information are reported different, and the funniest thing is in XXXX  is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your time.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2020-03-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The issue relates to XXXX improper and unjustified termination of my AAdvantage account. On XX/XX/XXXX, I received an email message from AAdvantage Corporate Security terminating my account. The message accuses me ( incorrectly ) of multiple violations of the General AAdvantage Program Terms and Conditions. On XX/XX/XXXX, I responded to corporate security to request further clarification of the specific violations XXXX XXXX alleges that I have violated. On XX/XX/XXXX, I replied again to this e-mail to request clarification. To date, these e-mails have gone unanswered. 

On XX/XX/XXXX, I also e-mailed XXXX XXXX to request additional information and clarification of the alleged violations. This e-mail has also gone unanswered as of today. 

An official complaint with the Department of Transportation was also filed on XX/XX/XXXX. Receipt of this complaint was confirmed by XXXX XXXX on XX/XX/XXXX and a response from XXXX XXXX was received from XXXX XXXX, Customer Relations, on XX/XX/XXXX. 

XXXX XXXX response to my complaint states the following as justification for termination of my account : A recent investigation has determined your involvement in multiple violations of the General AAdvantage Program Terms and Conditions, related to the accrual of ineligible AAdvantage miles and benefits. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage   card promotion bonus terms and conditions, as well as at the top of each application page. 

The allegations against me and used as the basis for terminating my AAdvantage account are not correct. The 48-month language cited as justification for termination of my account was not added to the some of the terms of conditions until on or around XX/XX/XXXX. There were still various credit card offers that did not contain that 48-month language. At no time did I respond to, or utilize, any offers which contained this newly added provision. 

Further, the Citi eligibility restrictions referenced in the justification were not located on the credit card offer bonus terms and conditions or application page as claimed in Ms. XXXX e-mail. 

XXXX XXXX claim is undeniably false, and XXXX XXXX has now intentionally lied to both myself and the Department of Transportation in an attempt to justify closure of an account that has not violated any terms and conditions.

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 2022-05-14
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citi advertised a {$1500.00} bonus for opening an account, so I filled out the information to open an account online. I already have a credit card with Citi. 

I got an email on XX/XX/2022 with an application ID # XXXX but have not heard back. I responded to the email on XX/XX/XXXX " It's been a few weeks and I haven't heard back. What's going on? '' but have not received a response. 

I believe Citi is committing fraud, by advertising a large bonus for opening an account, then not opening the account.

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 2018-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
There are addresses reported on my personal information that I no longer live there for more than eight months.

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 2023-03-19
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:
Hi I'm XXXX XXXX, I'm filing a compliant against credit bureau Equifax, because I have submitted numerous of dispute letters over a year regarding companies : XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXXhats still reporting on my Equifax credit report. I have a list of problems with Equifax, after giving me the option to send additional information to further the investigations after still allowing the accounts to remain from the previous investigation, I sent in the additional information within the timeframe of Equifax, Equifax still continues to ignore my dispute information and with incorrect feedback results that is not regarding my dispute information or they're requesting the same information again I already sent to them. Equifax is leaving unknown addresses that is currently on my credit report I'm unaware of and never lived at nor authorized the addresses to be on my credit report, I sent dispute letters regarding the addresses and accounts Equifax results was " the items are being modified '' I never received the following results over a forty-five day period of receiving the first results. Their investigation did not help my disputes resulting with inaccurate results to not remove the items and not receiving any results from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, XXXX, and Experian. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 am writing to dispute several hard inquiries that have appeared on my credit report, specifically the inquiries made by the following institutions on the respective dates : XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX. XXXX XX/XX/XXXX I believe these inquiries are the result of identity theft and are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), credit reporting bureaus must remove inaccurate or incomplete information from your credit report within 30 days of receiving a dispute. The FCRA also prohibits credit reporting bureaus from reporting information that is the result of identity theft. 

I have attached an identity theft report that I filed with the Federal Trade Commission on XX/XX/XXXX. This report provides evidence that my identity was stolen and that the unauthorized inquiries on my credit report are a result of that identity theft. 

I request that you investigate these matters promptly and remove the unauthorized hard inquiries from my credit report. If you fail to do so, I will be forced to take further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Please send me a written response detailing the results of your investigation within 30 days for each of the inquiries listed. If any of the inquiries are found to be inaccurate or a result of identity theft, I expect them to be removed from my credit report within 30 days of your investigation. 

Thank you for your prompt attention to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to the COVID-19 pandemic and home retention issues affecting veterans with VA guaranteed loans, during XX/XX/XXXX the VA released Circular XXXX VA Home Retention Waterfall/ COVID-19 Home Mortgage Relief Program. The Circular clearly instructs mortgage servicers on processes to evaluate each borrower based on their loan status and eligibility to provide options that will assist the veteran in retaining their home through loan modifications and other forms of financial assistance. For over a year I have been requesting that Carrington consider my loan for each of the programs detailed in the Circular in order to offer me an unbiased and reasonable home retention plan/loan modification offer. To date, Carrington has refused to acknowledge my requests to be considered for programs under this Circular that go as far back as a XX/XX/XXXX. Further, in their XX/XX/XXXX letter regarding the review of my mortgage assistance application Carringtons underwriters neglected to apply the directives in this Circular when evaluating my mortgage assistance application. Carringtons acts have affected my ability ti refinance my home to lower monthly mortgage payments as mortgage interests have doubled since XX/XX/XXXX. XX/XX/XXXX interest rates were 3.5 % and now mortgage interest rates are over 7 %. It is imperative that Carrington allow me to to advantage of this program immediately as the program/Circular expires early XXXX specific waterfall Covid relief program expires early XXXX. Carringtons refusal to acknowledge that this program exists and to review its offerings to determine my eligibility is obstructing my access to federally funded programs that my husband is entitled to as a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}

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 2019-08-01
Company: Experian Information Solutions Inc.
State: MI
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:
Hello Today I called XXXX  Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to Experian and XXXX  whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved

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