BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by my homeowner 's insurance company on XX/XX/2022 that my premium was not paid by my mortgage company, New American Funding. The policy expired on XX/XX/2022. New American Funding never attempted to contact me. My insurance company reported to me that multiple attempts to request payment from New American Funding went unanswered. I have been in contact with New American Funding and have been given false information. I was told my premium had been paid when it had not. I spoke to a manager who again assured me that the premium was paid and later informed that it had not been paid. I have requested New American Funding to contact me to address my concerns and they have yet to give me an answer. My insurance company stated my policy is not active. 
I have received no mail or email correspondence to forward to you. Please look into my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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: Account information incorrect

Complaint:
We have an XXXX XXXX XXXX through XXXX XXXXXXXX XXXX I had been carrying the entire credit line as a balance through about XXXX of XXXX I then paid the balance in full and have been carrying less than 10 % of the credit limit as a balance every month since. XXXX  has not updated any bureau to show that I have paid it completely down and have maintained an extremely small balance since. They stated they have technical issues preventing them from updating the bureaus that they have been unable to resolve for most of the year. This is willful member harm as my credit report shows that I continue to carry the full balance every month and does not reflect several months of more conservative use and payments. The required minimum monthly payment still shows as if I am carrying the full balance which would result in accurate debt obligations should I apply for credit ( which I have been planning for solar panels but this account will not update ). If they can produce monthly statements with accurate information then they should be able to update the bureaus with the same information. This is consumer harm and violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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:
My Trans Union Credit report states that the XXXX XXXX XXXX XXXX collection account was opened on XX/XX/XXXX of XXXX with a high balance of {$930.00}. This information is correct although I thought it would be covered by insurance but I am not disputing that much. 
The reason I am contacting you today and what I find is most troubling is that my credit report fraudulently is being reported as having a payment made in XXXX of XXXX. I have never made any payments to them. This deceit effects the date that the debt is removed from my credit report. They have also reduced the balance owed by {$690.00}. I have paid XXXX dollars to them. 
I want this account removed from my credit report or documentation of when payments were made, who made the payments & a full accounting of the account. How the balance went from {$930.00} to {$240.00}. 

Trans Union continues to report it incorrectly. 
Previous disputes to Trans Union for this account were completed XX/XX/XXXX, but failed to correct the report. Report number XXXX I have attached screen prints of my Trans Union File number XXXX that shows the account. Currently it is the only collection account in my TU credit file. They may have changed the account number. Old account number is XXXX & current account number is XXXX. 
This was a medical bill. I have attached a copy I obtained in XX/XX/XXXX from the original creditor, XXXX XXXX XXXX XXXX. 
Please investigate why Trans Union will not fix or remove information that is not accurate for this account. 
Once again, I have not made any payments at all on this collection 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 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B stated a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of XX/XX/XXXX, I have tried very hard to work with the Bank of America to get my account corrected. 

While their records indicated a delinquency All mortgage payments have been paid in full since the inception of my mortgage loan with them. Never once has a mortgage payment ever been late. In spite of my good payment history Bank of America was applying my mortgage payments to the wrong area and reflecting a delinquency which then initiated a modification to my loan. 

I have never once been late on one mortgage payment I have never requested a loan modification and I have never requested to be on a forbearance program yet Bank of America continues to not correct their mistakes. This has cost me a denial on a home loan application and I have had to go through special financing for a home loan which has cost me an extra {$3000.00} on a down payment and closing costs plus a 4.5 % interest rate Due to the adverse effect that Bank of America has had on my credit report. 

I have spoken to numerous Bank of America employees since the beginning of XX/XX/XXXXand they have failed to correct this problem. I will be selling this house and paying off this mortgage tomorrow which is XX/XX/2021 but the damage that Bank of America has cost me financially can not be undone. I would like a letter from Bank of America apologizing and proof that they have Written a letter to all three credit bureaus including XXXX and XXXX XXXX and XXXX XXXX describing my perfect payment history and correcting their erroneous negative reporting that I am making only partial payments

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 2017-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been having problems with accurate accounting of my loan with Wells Fargo Home Mortgage. I worked to resolve this problem with WFHM and was approved for a Loan Modification. The Loan amount on my home is $ XXXX. I have been making the payments but when WFHM sent the final loan documents they nearly doubled the loan amount. The house will never be worth the amount they increased the amount of the loan to. They added $ XXXX in interest fees and late fees. They are trying to hold up my loan modification and are not applying the monies I am paying each month until I agree to their increased amount of the loan. This is not accurate and their accounting was never right. It is illegal for XXXX to try to force me to pay nearly double of my original note. They are forcing me into a situation in which the home will never be worth what they increased the amount to. I have no problem with the original loan note of $ XXXX, that is all the home is worth. They are tacking on $ XXXX of fees in which they have no basis and accurate accounting. They are also not applying my mortgage payments to my prinicipal until I agree to their terms. Thank you, 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 2023-10-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I'm am in the process of refinancing a mortgage Information submitted by my previous servicer Rushmore loan management services LLC are incorrect.also Rushmore has received funds on my behalf from the state of new Jersey erma program and did not apply to my balance.The erma program paid my arrears but Rushmore added a false foreclosure charge of {$2400.00} when in fact there was no foreclosure due to the fact the erma contacted Rushmore that the arrears were being paid by the state which is illegal.also another charge of {$6600.00} was added on for taxes and insurance when in fact those are included in my mortgage payments.also Rushmore recently transferred my mortgage from their LLC to themselves while reporting information to credit bureau causing my credit to drop XXXX XXXX while I was current.Last but not least after the erma program paid my mortgage payment in XXXX of {$1000.00}. Rushmore increased my payment to {$1500.00} which is illegal and a breach in mortgage contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: WI
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/2023, my Citibank credit card was charged {$240.00} by XXXX, a grocery delivery service. Even though I was on vacation in XXXX XXXX, Florida, the XXXX delivery was sent to a town in Georgia. I immediately called XXXX, said that I had not placed the order, and that it was a fraudulent order. The XXXX representative told me that they would return my money as soon as possible. 
I also decided I needed to get a new Citibank credit card, in case someone had stolen my identity. 
After not getting a refund from XXXX, I disputed the charge with Citibank, but after crediting my account, Citibank investigated the incident and decided that I was responsible for the charges (! ) Its been XXXX months now, and theres been no reimbursement resolution. XXXX said it wasnt their problem, and Citibank said it wasnt their problem. 
I have called Citibank at least four times, and they have never give me a clear answer as to why the charge was not credited back to my account. They always said they would send it on to their fraud department and investigate it further, but no one has ever gotten back to me from Citibank. Its been XXXX  months since the incident happened!

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 monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
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.

Account Name : XXXX XXXX XXXX XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent 3 dispute letters for Transunion to remove this bankruptcy # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with Transunion which means it was not verified and they need to remove it off my credit file.

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 2018-12-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX  ) listed on my credit report. It has been over 120 days and nothing.

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 2018-09-13
Company: Halsted Financial Services, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today I received 6 phone calls throughout the day from various phone numbers all with a XXXX area code. I looked them up on XXXX and theyre all XXXX or XXXX voice numbers. I called 2 of the numbers back and they were both debt collectors from Halstead. They were very aggressive about trying to identifying me and denied calling me 6 times. The man on the first call hung up on me when I told him calling me more than 3 times per day is an fdcpa violation. On the second phone call I asked them to stop calling me and I did not identify myself on either call. The woman on the second call told me they keep calling me because I never answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
State: KS
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:
Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX  and XXXX  and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.

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 2021-06-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
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:
I Have reached out to XXXX XXXX, phone and mail over a 100 times and get no where I have told them multiple times all the inquires the I have attached are fraud I have sent police reports, FTC reports even a Fraud Victim complaint form and got it notarized, I even sent the letters from SYNCB because they act like they never received it from SYNCB and I know for a fact they did the proof is here. Ihavecontacted each creditor and they have asked met oreach out to XXXX personally to have these fraudulent inquires removed from my credit report anblocked Iwill List them below Sync/XXXX XXXXXX/XX/2022, Sync/ TJXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are all fraudulent inquires and I want them removed as they are violating my Fair Credit Act Laws 15 U.S. 1681 section 602 states I have the right to privacy.

15 U.S. Code 1681 c -2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information they results from an alleged idenity theft not later than 4 business days after the date of this receipt.

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