BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

Company response to consumer: In progress
Consumer complaint received 2023-11-10
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
Information and documentation requested from Select Portfolio Servicing ( SPS ) has been refused : 1 ) Provide XXXX  accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in XXXX How did it originate? Who provided the initial funds and how? 
2 ) Is SPS a debt collector? if yes, identify yourself as such. 
3 ) Does SPS have a contract with said mortgage holders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX XXXX XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with SPS and has never assigned power of attorney to SPS to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX XXXX XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with SPS has been in dispute for over a year, why is SPS still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized SPS to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted AmeriHome mortgage company inquiring about a mortgage balance, payoff balance and wiring/ routing instructions. I was given all the information. 
On XX/XX/XXXX Funds were wired from my XXXX XXXX account per the wiring instructions I was given to the loan sub servicer XX/XX/XXXX XXXX in the amount of {$55000.00} ON XX/XX/XXXX I checked my account with AmeriHome and my payment had not been posted. I called AmeriHome and was told they could not find the wire and to wait another day for it to post. 
On XX/XX/XXXX the funds still had not posted. I then called AmeriHome again and was told they were looking into the issue as to send them proof of the wire via email or fax and I did both On XX/XX/XXXX the funds had not posted and I called AmeriHome again and was told it may take 5 days or so to post and that they did receive the wire receipt that included the tracking number. 
On XX/XX/XXXX I decided to call XX/XX/XXXX direct and was basically rerouted back to AmeriHome. It appears all inquires are routed to the same call center. 
On XX/XX/XXXX I received an email on AmeriHome, s website portal that they received my proof of wire and I should hear back from them in 15 days. This is unacceptable as this is a large sum of money that they cant find or just refuse to post. Now I will have to make another mortgage payment in order to stay current. 
On XX/XX/XXXX I called AmeriHome again and spoke with employee ID number XX/XX/XXXX. She acknowledged my concern put me hold hold and then told me that it may take up to 20 days. I asked to speak with the supervisor, told her I wanted the wire traced and funds posted immediately. Supervisor ID XXXX said she emailed accounting and I should hear back by XX/XX/XXXX It is completely insane for a customer to go through this process. With the receipt in hand it should take no more than 2 days to post my credit. Hours on hold, dropped calls while on hold etc., over XXXX that they refuse to locate. 
The XX/XX/XXXX has REVOKED XX/XX/XXXXaccreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid 19 - entered into a Forebearance as to unsure of income due to being laid off. As you know the options were to pay what you could or not at all. XX/XX/XXXX, I paid {$1000.00} towards our {$2100.00} mortgage payment. I will be honest, I was completely knowledgeable about this process. Once I began to receive additional income I made 6 months of payments in the amount of {$2500.00} to cover the {$1100.00} balance owed for XXXX. XXXX of XXXX, LoanCare advised us that our monthly payment would increase to {$2300.00} which we have made monthly. Never, never have we missed one monthly payment to Loancare. Loancare mismanaged our Forebearance. Have been in contact both via telephone and letters. Just received yet another letter, probably have received XXXX til now. In a convoluted letter they continue to say we have missed payment and each time we make one it goes to the " one we missed '' This is not our first Mortgage, however LoanCare is the only establishment that is harrassing us for no reason. They have ruined our XXXX XXXX as well, reporting a 90 days late. We are in the process of re-locating to NC for work reasons, and with everything they have done to us, we will be looked at negatively with our credit. Our current home will be sold, which I know will resolve the issue however they need to be held accountable and fix our credit. Please help us with this matter, it is a hugh stress that my Husband and myself are dealing with. 
We will be relocating out of MA due to Husband work and our home will go on the Market XX/XX/XXXX. The negative hits on our credit needs to be cleared up so that we do not have any trouble purchasing again.

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 2019-04-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my XXXX account charged Pay Pal {$7.00} for a one month 's subscription. On XX/XX/XXXX I checked my Paypal online and saw two charges for {$7.00} dated XX/XX/XXXX. I called XXXX and they told me they had only charged my account {$7.00} for one month. Which I verified online. On XX/XX/XXXX I called Paypal. They said it was a statement error and they would fix it. I subsequently call Paypal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to submit a dispute resolution. On XX/XX/XXXX I submitted a dispute resolution on the Paypal system, but the system didn't really allow for an adequate description of my problem. On XX/XX/XXXX, I received an email from XXXX telling me they were cancelling my subscription and Paypal online showed a reversal of the {$7.00} charge, as did my XXXX account. This occurred because paypal sent my dispute to XXXX. 
Nevertheless, the second charge for {$7.00} still showed on my on line Paypal statement. It was not a XXXX charge and I felt paypal was in error. I tried to resolve it with Paypal with calls on XX/XX/XXXX and XX/XX/XXXX. Very frustrating, since I feel that the customer people are tone deaf and can't seem to reconcile or look at activity on statements and what they call PayPal credit. On XX/XX/XXXX I sent a letter to PayPal Billing Disputes and Correspondence, but when they replied, they don't seem to understand the problem. On my letter I specifically asked for copies of the two billings for {$7.00} from XXXX so that I could go back and discuss the issue with XXXX. Paypal did not provide the requested information I needed to follow up with XXXX. They said on a written response dated XX/XX/XXXX that they have resolved the issue, since XXXX credited back the {$7.00}, but that I still owned {$7.00} plus fees and interest. They fail to understand the problem and they fail to provide me with the evidence I requested.

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 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In my seventh attempt to resolve this issue, I would like to stress that this constitutes my sixth endeavor to address the persistent problem. Despite multiple requests, EQUIFAX has consistently denied me the ability to access my personal credit report. They have adamantly refused to furnish any details regarding my credit history. Attached, you will find supporting documents, including a copy of the letter I previously sent to the credit bureau and duplicates of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to move money from XXXX XXXX  to XXXX XXXX XXXX. I had a Bank Check in the amount of over {$100000.00}. I wanted to put the money into a CD. The Banker did what he called a soft inquiry into my credit report and found a problem with my credit. 
I was concerned that that there may have been Identity Theft since I've never had a problem depositing money in any other bank. I also have no outstanding loans, no mortgage, etc. I did my own credit check through XXXX XXXX and my Credit Score was XXXX and I was provided the long form showing my credit cards and payment history. The remark on the form said " XXXX, you have excellent credit. '' I received a letter today from XXXX XXXX which told me nothing other than the consumer report they used to evaluate my application was Experian, Inc. I can not seem to get any information from Experian. It's impossible to contact them by phone. I did my own credit check through them and got about the same report as through XXXX XXXX. 

Your assistance in this matter would be most appreciated.

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 2023-09-25
Company: EQUIFAX, 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:
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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.

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 2023-10-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint number XXXX Your response sent on XXXX XXXX I reject your response because I am certain your are committing identity theft fraud and violating the law at the same time. 
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I changed the bank attached to my autopay last XXXX and even got email confirmations of this activity, yet they continued to charge my old account. In XXXX this finally resulted in a returned payment and charges from my old bank and Target. As soon as I noticed it, I made the payment again immediately using the new bank account and called customer service who in turn called my bank to confirm what I was saying. Imagine my surprise when this manual payment was also rejected because they charged the wrong account again. So I made another payment, making extra sure I had selected the current bank account. I then deleted my old bank information from this account entirely. And still they charged my old account! Now I have all of these extra charges and Target had the audacity to cancel my account for too many returned payments despite that it was finally paid. I've spent weeks trying to get this taken care of and I just keep getting told to call another time or told that all of this was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief