BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.

Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Caliber Home Loans failed to respond to a Notice of Error and request for information.

Caliber Home Loans has failed to properly acknowledge and investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several verification letter via to Equifax. They never responded. I filed a previous CFPB complaint XXXX. They opened a investigation and shortly closed it with verify the account. In the CFPB I asked for Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me. None of that was provided. Withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after my written request. They are violating my FCRA rights! 

Account in dispute listed below : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2022-12-30
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XX/XX/2022, Discover Student Loans ceased the ability for borrowers who are charged off from paying through their online portal. The only way to pay is by telephone where Discover Bank purposefully attempts to verify your personal information for debt collection purposes. They have provided me with zero explanation for this change of policy nor have they provided any notice whatsoever for this change of policy. I have made payments every month for six years on my charged off loan through the internet with no issues. 

They are simply attempting to prejudice alleged delinquent borrowers and inconvenience them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETWrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their 30 days investigation time so these items should be deleted properly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: MI
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 name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XX/XX/2018

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 2019-07-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Midland Mortgage reported my account as being delinquent due to them receiving the Home Owners Assistance Fund and proof of wire transfer from previous Mortgage carrier XXXX XXXX XXXX for both the month of XXXX and XXXX. I have made a dozen calls to Midland Mortgage and to the XXXX XXXX XXXX to confirm that the payment was wired from XXXX XXXX XXXX to Midland mortgage for both XXXX 's and XXXX 's payment to avoid them reporting negatively on my account. Today i get an alert showing that Midland Mortgage reported on my credit report that my account was delinquent when i did everything i could possibly do to prevent this and was told that on XX/XX/28 that i did not have to worry about this issue because they are working hard to locate the wired payments that XXXX XXXX XXXX wired to them in XXXX and XXXX. I need this fixed immediately because i take my credit very serious.

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 2018-08-22
Company: D&A Services, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contact was made by D and A Services on XX/XX/2018 @ XXXX eastern time stating personal information such as address, date of birth and SSN the women proceeded to state this information was needed to be verified by me before they could sue on the behalf of another collection agency, neither agency has validated with a contractual agreement of my owing any money to them, so my response was to go ahead and sue, documentation is required in court. On XX/XX/2018 I received a collection letter not a subpoena. Unless this debt that has been validated ( with a contract ) not just verifying by general information or copies of documents without a signature, I owe nothing. According to the FTC, FDCA 1692 ( c ), ( d ), ( e ), and ( g ) threats to collect is an illegal practice, another illegal practice was contacting me by use of my cellular phone under the Telephone Consumer Protection Act 47 USC sec 227 ) without my written consent.

A letter of validation of a contractual agreement has been mailed to D & A services, I am waiting on the returned receipt, upon receipt I will be able to provide the information. I have returned receipt of documents mailed to the other agencies, it can be provided by fax or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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-1 ( 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 2018-08-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Equifax : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX  : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: R.T.R. Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that according to article XXXX, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with RTR Financial Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving RTR Financial Services any right to collect on this alleged debt. I have never received any documentation requesting validation from RTR financial services. If RTR Financial services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until RTR Financial services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RTR Financial services continues its collection efforts, I will file for litigation for actual damages caused and RTR Financial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently paid off all accounts listed on my credit reports on XXXX and Equifax and proceeded to submit disputes to each reporting agency to start the process of having the amounts removed. It went smoothly with XXXX who simply verified who I was by giving my soc sec #, address and what the amounts owed were on the accounts, but with Equifax they wanted the same information and then wanted to know my previous employment in which I gave them my employment history for the last 15 plus years and the customer service rep kept asking me what other jobs I had. I had given her every job but then she asked was there a fraud alert on my acct which it wasnt because XXXX saw nothing. She then wanted me to send a hard copy of my social security card which would involve and lengthy period of extra investigation. I ended the conversation informing the rep I would try the online remedy, and attempted to do the dispute online to no avail because after entering the intial personal info on the 1st page and being informed they had found MY account, on the 2nd page they start describing various bank cards and auto loans in which I was supposed to have along with multiple choice companies that these things were supposed to be secured from to choose from which I never had and after clicking none of the above to all, they ended the dispute saying my answers didn't match their info. I then did a XXXX complaint search on Equifax and found over XXXX complaints with same experiences that I endured and saw your link

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation