BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to my divorce I am unable to pay the mortgage I made an attempt to pay the mortgage but the servicer Caliber Home Loans returned the payment. My kids live with me and we are afraid we will be left homeless during the holiday season. I retained a real estate agent who has had the property for sale since XXXX but due to the house not having a garage and being in front of a elementary school it has not been sold. We've also reduced the price of the property significantly in order to make it more marketable and we are still unable to sell it. The agent requested to stop the foreclosure process with my servicer but my servicer continued with the process. 
Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Regional Management Corporation
State: NC
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:
Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX ACCESS XXXX {$85.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account. 


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 2023-08-04
Company: TRUIST FINANCIAL CORPORATION
State: AR
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:
After researching, Truist Bank XXXX XXXX Bank ) violated 12 CFR 1006.6 Commnications in connection with a debt collector ( 4 ) ( ii ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) Procedures for email addresses/Procedures based on communication by a creditor. I will attach a copy of the email sent for supporting documentation ( ii ) Procedures based on communication by the creditor.

( A ) A creditor obtained the email address from the consumer ; ( B ) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it ; ( C ) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent ;

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am submitting my complaint to inform you that the 2 credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 2 Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/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 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-29
Company: SYNCHRONY FINANCIAL
State: CO
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 have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX XXXX XXXX - XX/XX/XXXX XXXX via Syncbpaypal - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2020-08-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit acceptance needs to report account as settled

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 2020-08-11
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have variable rate loans with Discover Student Loans. Since rates have dropped so low I inquired about locking in a fixed rate. I was told to refinance the loan through a new application. I was ultimately denied by Discover, my current loan holder. My fear is that they did this because a fixed rate may lower the interest rate that they collect. I am currently at +4 % over XXXX, and I do believe that it would be lower with an updated fixed-rate, and Discover denied my credit because they would make less by doing so. 

Furthermore, it makes no sense that they wouldn't refinance a loan at the lower rate seeing as how I am more able to make the payments on time with the lower rate than I was at the higher rates seen in previous years. I am currently making almost {$200.00} per month less in payments than I have in times past. In times past, I have also struggled to make payments and they are unwilling to work with me and then they get to charge late fees, etc. Perhaps another reason to deny my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sending this ninth complaint towards XXXX and TransUnion. As, while the XXXX have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the TransUnion Bureau have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA 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 2022-12-20
Company: EQUIFAX, INC.
State: AR
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, Equifax, or XXXX. I have attached the dispute letter I sent on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2020-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE TRIED TO SPEAK WITH PEOPLE WHO CAN NOT GIVE ME THE CORRECT WAY BOOST WORKS. I TRIED CALLING NUMEROUS TIMES AND ALL I GET IS THE RUN AROUND AND GET TRANSFERED TO DIFFERENT DEPARTMENTS. I GET ADVISED THAT I HAVE TO SPEAK WITH SOMEONE FROM MEMBERSHIP. HOWEVER WHEN I DO THE PROMPT STATES IF I HAVE ANY QUESTIONS PRESS # 2. THEN AFTER THAT YOU GET THE AUTOMATIVE SPEAKER AND YOU ARE UNABLE TO SPEAK WITH SOMEONE AND THE CALL IS ALWAYS TERMINATED. I THEN CALL BACK AND CALL IS TERMINATED.REGARDING YOUR EXPERIAN BOOST AND YOUR ADVERTISING I WAS STATED THAT MY CREDIT BOOST WOULD INCREASE EVERY MONTH ACCORDING TO WHEN I SPOKE TO YOUT REP XXXX. THEN I TRIED CALLING HER AND I GET THIS PERSON NAME XXXX FROM CONSUMER AFFAIRS AND SHE STATES IT ONLY INCREASES JUST ONCE. SO WHAT IS THE SENSE OF HAVING EXERIENCE BOOST WHEN IT DOES NOT HELP YOUR CREDIT SCORE TO INCREASE EVERY MONTH AND WHY YOUR COMPANY KEEPS ON ADVERTISING THAT IT RAISES YOUR SCORE MORE THAN ONCE????

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 2021-11-06
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: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, XXXX, or Transunion. I have attached the dispute letter I sent on XX/XX/21.

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 2022-12-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX  XXXX bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : TransUnion Account Name : XXXX XXXX Account number 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 an account without my written instructions.

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 2021-05-13
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: Account information incorrect

Complaint:
XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the DOFD is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation