BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
We were affected by hurricane XXXX, our property was flooded XXXX feet. When we called the service r to help us they said we can put the mortgage in forebesrsnce and we could put the missed payments at the end of the loan. This was in XX/XX/XXXX. During this timeframe we worked in restoring the property cleaning it out replacing Sheetrock etc, and dealing with insurance companies. In XX/XX/XXXX we called serviced to reinstate our mortgage and put our payments in the arrears. At that time they said we had to apply for a loan modification and what we were asking for was impossible that they would have told us that information because it is inaccurate. We told them that all calls are recorded for quality and training purposes and that they should review the calls. The agent said that the only relief they could offer us was to fill out the loan modification application. 

The loan modification package was initially submitted in XX/XX/XXXX. There after we never heard anything from them, continuous calls to them they would state that the package was in underwriting etc, in XXXX they asked us to re fill out the loan modification application because it was over 30 days. We did so and same story as before. 

In XXXX we re submitted the package and once again same story as before. 

In XX/XX/XXXX when we called they informed us that we could start making payments again but that we need to refill a loan modification package. 

Today XX/XX/XXXX when we called for an update since like before our application was in underwriting since XXXX, they told us that our package had expired because it was over 30 days. Hey our debt continues to grow late fees etc but this bank is not reviewing our package una timely manner. 


Had this package been resolved back in XX/XX/XXXX we wouldve only been XXXX months behind not XXXX like it is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
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 an 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. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I'm contacting you to report that the following accounts and inquiries are not mine and I have been a victim of identity theft. I have listed on a separate document that I will upload all of the accounts reported that do not belong to me. I need these accounts deleted from my report as soon as possible because I am not responsible for these charges. I reported the identity theft to the Federal Trade Commission FTC and have copies of the FTC Affidavit and they need to be deleted IMMEDIATELY.

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 2023-05-18
Company: WELLS FARGO & COMPANY
State: AL
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:
My credit profile currently showing incorrect information showing I have credit inquiries. Which I have not made

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 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had received multiple alerts to my phone about suspicious transactions being made. I checked my email and saw that there was a charge for company catrying to be made to my personal account. I checked my bank account and saw no charges so I thought everything was fine. So I replied to the Capital one warning about fraud YES everything was okay. 

But then the next day I woke up to a total of {$3600.00} charged to my personal checking account. I attempted to call capital the same date to have them cancel the charges immediately. But instead they told me I would not be allowed to dispute anything until the charged fully posted. And that did not happen until XX/XX/XXXX. I immediately called back XX/XX/XXXX as soon as the charges were posted to explain to them that the charges were not authorized by me. And that there was no products sent my way regarding these XXXX transactions. 

I have already tried to call this company multiple times. Instead I get someone on the phone pretending not to know whats going on. I have emailed the company XXXX explaining them that I never made or received a purchase by them. Over the phone the man told me that the XXXX product was already used. And that a username and password was used. I explained to him that I never approved any transaction. That my bank should have rejected those charges. The person tells me theres nothing they can do to help me at this case. 

I wait a full week for my bank capital one to get back to me and all they say is that We finished researching your dispute ( XXXX ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 
You can still try to resolve this directly with the merchant ( XXXX ). 


For the love of God they put no effort into helping me with this issue. $ XXXX gone in minutes and they say everything was authorized. This company XXXX is international, capital one told me that they are located out in XXXX. Ive explained to capital one that I have no idea why my information was being charged multiple times on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A negative inquiry from XXXX XXXX was placed on my TransUnion credit report. I was never informed XXXX XXXX placed me for collection for {$87.00}, since then I have paid the account, thus bringing the balance to {$0.00} and the account has been cancelled.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 submitting this CFPB complaint for the second time to follow up the addressing of specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or have been involved in, regarding the aquiring of goods, money, or services. I am requesting that Transunion and XXXX credit bureaus will remove and block these specific remaining inquiries as a result of the alleged identity theft. TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attached to this complaint you will see my FTC Identity Theft complaint report in relation to these fraudluent inquiries, Names and Addresses. The following address is in error 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. The following name is also in error 1. XXXX XXXX XXXX. With the amount of identity theft going on around these Holiday times, I am afraid that someone can misuse my identity once again. Please I urge you to remove these names, addresses, and fraudulent accounts at once. Once more I am not familiar with these fraudlulent inquiries, also have reservations about the accuracy of the information provided in some of them. It should definitely be noted that certain inquiries have already been deleted by other bureaus like XXXX, raising concerns about their reporting history in accordance with FCRA section 605B. I would like to thank the CFPB for assisting me in the matters in this complaint to assure that my rights are not being violated as a consumer. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX SSN : 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 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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 filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full

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 2023-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies XXXX, and Equifax. It has been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make it clear that this Identity theft was not made in error by me, a consumer, as stated in 15 USC 1681c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from Equifax and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a federal employee working towards XXXX forgiveness for my federal student loans. I typically submit an employment certification form ( ECF ) each year in order to have my payment count updated. This was my first year certifying my employment with Mohela, after having had my loans transferred to Mohela from XXXX XXXX, and it has been an absolute disaster. 

I submitted my XXXX to Mohela in XX/XX/XXXX. My previous XXXX had been submitted ( to XXXX XXXX ) in XX/XX/XXXX, and so I was seeking to have my payment count updated to reflect the period from XX/XX/XXXX to XX/XX/XXXX. Due to the student loan pause, which provides XXXX credit for each month spent in qualifying employment, and the fact I was in qualifying employment for entirety of the period covered by my XX/XX/XXXX XXXX, I was entitled to XXXX credit for each month from XX/XX/XXXX to XX/XX/XXXX. But Mohela, after completing my payment count in XX/XX/XXXX, only credited me with 5 qualifying payments in that period. The remaining months say " employment not certified in my payment tracker on XXXX website. 

I called Mohela for the first time about this issue on XX/XX/XXXX and was told that my payments were still the process of being counted and that this process would be completed in XXXX weeks. I doubted this was the case, as I had already received a letter from Mohela on XX/XX/XXXX stating that they had reviewed my XXXX and calculated the number of qualifying payments I had made, thus implying that the counting process was complete. But I decided to give them a few weeks to see if they could fix the problem. 

When my payments were still being credited incorrectly on XX/XX/XXXX, I called Mohela for a second time. The representative I spoke with this time told me essentially the same thing that they were still in the process of crediting XXXX payments and that, eventually, my payment counts would be updated, but that he could not give me a date by which this would be completed. He stated that it was misleading to have sent me a letter implying that the process was complete. 

Im submitting this complaint because I am concerned that I am being given the runaround and that nothing is actually being done to ensure that my XXXX payments are properly credited. Im also concerned about Mohelas recordkeeping practices with respect to XXXX payments. They are my third student loan servicer and this is the first time I have had so many errors in my payment count. Even if it is the case that Mohela is still trying to calculate payments, it is absurd that it is has taken so long and that they can not give an estimated date by which the process will be complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: MO
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:
I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief