BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: NV
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:
Experian is reporting inquiries that dont belong to me.

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 2022-07-12
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THESE ACTIONS ARE ALL TO PUFF THE PRICE OF MORTGAGES ON SECONDARY MARKET OR WHAT CAUSED THE XXXX CRASH THAT ALMOST PUT US INTO A DEPRESSION. 

See attachment herein. American Financial Network recently or yesterday emailed me and asked if I send email attachments in PDF only. This request was after over a thousand emails of correspondence which I had to do because I was continually told different stories about whether I had the right documents by XXXX and American Financial Network. I was told different things even by the same representatives during single conversations, in same day by 2 different representative, and continually every time I called with few to no exceptions. It's 100 % certain that American Financial Network and or XXXX  are going to complain about and use the volume of my emails as an excuse for their actions but the reality is that due to constantly being told different stories/statements about what I had and didn't have, I had no choice but to send voluminous duplicate emails because of continually being told certain documents or all documents that I mailed or emailed were not received. 

Also look at the SECOND ATTACHMENT. Here I was sent contradictory and confusing documents ON THE SAME DAY!! HOWEVER, although both documents are dated the same day of XX/XX/XXXX THE DOCUMENT WITH the XX/XX/XXXX deadline was mailed to me on XX/XX/XXXX and of course never emailed. This company is EVEN doing fraud and deceptive practices IN ORDER TO put me in a bad position and make me fight and be in a compromising position when negotiating. Kind of like coming to an agreement as someone is hung outside a 30 story window in some ways. 

See there new defense they are concocting herein, in attachment. They want to claim that what I sent previously by word was not acceptable. To make this right, the mortgage should be dissolved to a XXXX balance and company trained in having consistency that customers can follow. I believe that due to concerns about the price to sell mortgages at on the secondary market, these companies or American Financial Network and XXXX are using deceptive business practices to avoid doing loan modifications and forbearance of mortgages. This is done so that the mortgages are sold for a significantly higher price on the secondary market such as with the XXXX inflated price scam that put us into the crash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EdFinancial Services
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2022 I called my loan servicer, EDFinancial to request a full refund. I spoke to a man from customer service and requested a refund for the full amount I had paid in the amount of {$10000.00}. He informed me that my refund would be processed but could not give me any date as to when it would be processed, when my new balance would be reflected in my account, or when I would actually receive the refund. He also told me there was no way he could even confirm that I had requested this refund- no email or mail confirmation, no code, etc. I would like some sort of confirmation to show how I requested this refund and some more information on when this will be processed. I find it extremely odd that EDFinancial doesnt have anyway to confirm a refund request for a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

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

15 USC 1666B : 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 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 2022-09-15
Company: EQUIFAX, INC.
State: NJ
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:
N accordance with fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A credit card issued by JPMCB card services, XXXX XXXX XXXX, XXXX, DE, opened XX/XX/XXXX lists on my credit reports a past due amount of {$18000.00} as of XX/XX/XXXX. I lost my job and became homeless in XXXX of XXXX. I attempted to keep paying until XXXX of XXXX, however I ran out of money and contacted JPMCB to let them know I was homeless and barely surviving and could not make payments due to lack of employment and no funds. They gave me a short grace period, added fees, penalties and kept charging me interest that soared beyond any amount I could pay, then went to collection where I said I could not make payments, then they charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021

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 2022-05-18
Company: Experian Information Solutions 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:
XX/XX/XXXX I settled and fully paid off an account with a company, XXXX XXXX 

Two of the main credit reporting agencies updated my credit report to show paid with a XXXX balance. However, Experian never updated my report. It shows the account closed, but with a balance of {$2900.00}. 

I called Experian and asked them to correct the account ( I did not record the date ). That got me nowhere. 

On XX/XX/XXXX, I submitted a dispute online. They added a comment stating I disputed the account and it was resolved, but the balance still remains. I also submitted a dispute with supporting documentation by mail with no resolve. 

I called XXXX XXXX directly and asked them to notify Experian of the paid in full status. They said they had already notified all of the credit reporting agencies, but would notify them again because of my situation. 

Still no resolve. 

On XX/XX/XXXX, I contacted XXXX XXXX again. They stated they would notify Experian again of the account status and XXXX balance. 

XX/XX/XXXX, I tried to submit another dispute with Experian. Their website blocked me. I mailed another dispute and called again. I was transferred and left on hold. 

I have been denied credit because of this account. I am working with a bank now who said they were not yet certain if they would approve me because of this outstanding balance, even with the letter from XXXX XXXX and the canceled check. 

This has become urgent. My rate is only locked in until XX/XX/XXXX. If this takes longer to resolve, I will be paying a higher rate due to the increase in interest rates. 

Please help me. They are ruining my financial future and security. 

I have names, phone numbers and addresses of people I have spoken to. I wasn't sure if I should list them here.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission.

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 2023-07-10
Company: EQUIFAX, INC.
State: WI
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 XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX Balance : {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account XXXX : XXXX, Account # XXXX. 
Account XXXX : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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 2021-10-06
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:
In 2019 someone opened a XXXX credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and XXXX XXXX on multiple times and they still have not removed item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called Mr Cooper with XXXX at least four times because an {$1100.00} payment I made on XX/XX/17 keeps being placed on principle instead of the monthly payment. So far, the {$1100.00} I paid XXXX is still in unapplied funds. Agents keep changing the principle to Unapplied Funds but it keeps reverting back to principle. This is highly distressing because of the prospective consequences of delinquent payments. I should not have to monitor my transactions daily when I am doing my part. I have considered legal action because I have never had this issue with another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

" XXXX XXXXXXXX Balance : {$5400.00}, XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yesterday XXXX  XXXX 2021 i received a letter notifying me that AmeriHome Mortgage in XXXX NJ will no longer be my servicer and will be transferring my mortgage to XXXX XXXX  of XXXX. XXXX NJ. Not a big deal since it is a common practice. I've only had my mortgage for 1 year and have already been transferred now 3 times. Again not a big deal. My issue happened today XX/XX/2021 when i discovered, I'm speaking to XXXX Mortgage to get details of the transfer and find out the person " XXXX '' I'm speaking to and giving personal data to " verify my identity and loan '' is in XXXX. Someone across the world giving me a fake name, not licensed in any state of the US has all my data now, including but not limited to things like name, address, dob, social security and mother 's maiden name, loan number, balance etc.

I called Amerihome and they said nothing could be done. I could pay them to refinance the loan and hope that it stays in house or gets transferred to another company in a year that is US based. 
This practice needs to be looked at and consumers need protection of private information. This outsourcing can't be safe and there is no recourse if they abuse private information. 
PLEASE HELP.

Company response to consumer: Closed with explanation